| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $88K | $7K | $96K | 5.41% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $28K | $4K | $33K | 5.43% |
| CUSTOM BENEFITS PROGRAMS3 | 897 12TH STREET HAMMONTON, NJ 08037 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $36K | — | $36K | 7.00% |
| BSC AGENCY LLC3 Filed as: BSC AGENCY | 1025 ASHWORTH RD. SUITE 101 WEST DES MOINES, IA 50265 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | — | $15K | 3.00% |
| CUSTOM BENEFITS PROGRAMS3 | 897 12TH STREET HAMMONTON, NJ 08037 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $30K | — | $30K | 7.00% |
| BSC AGENCY LLC3 Filed as: BSC AGENCY | 1025 ASHWORTH ROAD SUITE 101 WEST DES MOINES, IA 50265 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 3.00% |
| CUSTOM BENEFITS PROGRAMS3 | 897 12TH STREET HAMMONTON, NJ 08037 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $125K | — | $125K | 34.35% |
| BSC AGENCY LLC3 Filed as: BSC AGENCY | 1025 ASHWORTH RD. SUITE 101 WEST DES MOINES, IA 502653542 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $53K | — | $53K | 14.72% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $2K | $15K | 5.83% |
| AON CONSULTING INC3 Filed as: AON HEWITT - ATLANTA GA | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $28K | — | $28K | 12.13% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METLIFE LEGAL PLANS | $13K | $2K | $15K | 10.92% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. - NJ | 199 WATER STREET 12TH FLOOR NEW YORK, NY 10038 | METLIFE LEGAL PLANS | — | $55 | $55 | 0.04% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | PO BOX 905494 CHARLOTTE, NC 28290 | METLIFE LEGAL PLANS | — | $55 | $55 | 0.04% |
| AON CONSULTING INC3 Filed as: AON HEWITT - ATLANTA GA | 29840 NETWORK PLACE CHICAGO, IL 606731298 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $10K | — | $10K | 8.92% |
| AON CONSULTING INC3 Filed as: AON HEWITT - ATLANTA GA | 29840 NETWORK PLACE CHICAGO, IL 606731298 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $9K | — | $9K | 11.84% |
| AON CONSULTING INC3 Filed as: AON HEWITT - ATLANTA GA | 29840 NETWORK PLACE CHICAGO, IL 606731298 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $6K | — | $6K | 10.82% |
| AON CONSULTING INC3 Filed as: AON HEWITT - ATLANTA GA | 29840 NETWORK PLACE CHICAGO, IL 606731298 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $5K | — | $5K | 14.52% |
| AON CONSULTING INC3 Filed as: AON HEWITT - ATLANTA GA | 29840 NETWORK PLACE CHICAGO, IL 606731298 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | — | $2K | 10.95% |
| AON CONSULTING INC3 Filed as: AON HEWITT - ATLANTA GA | 29840 NETWORK PLACE CHICAGO, IL 606831298 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | — | $2K | 11.62% |
| AON CONSULTING INC3 Filed as: AON HEWITT - ATLANTA GA | 29848 NETWORK PLACE CHICAGO, IL 606731298 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | — | $1K | 11.63% |
| AON CONSULTING INC3 Filed as: AON HEWITT - ATLANTA GA | 29840 NETWORK PLACE CHICAGO, IL 606731298 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $484 | — | $484 | 11.71% |
| AON CONSULTING INC3 Filed as: AON HEWITT - ATLANTA GA | 29840 NETWORK PLACE CHICAGO, IL 606731298 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $137 | — | $137 | 10.60% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 4,103 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 120 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL SERVICE ASSOCIATION | 40 | $229K |
| Vision(10 contracts) | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 3,912 | $559K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,727 | $1.8M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,095 | $604K |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCIATION | 40 | $229K |
| Other(11 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,670 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,727 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.