| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $137K | — | $137K | 4.84% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $46K | — | $46K | 4.85% |
| CUSTOM BENEFITS PROGRAMS3 | 897 12TH STREET HAMMONTON, NJ 08037 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $45K | $1K | $46K | 7.95% |
| BSC AGENCY LLC3 Filed as: BSC AGENCY | P.O. 850411 MINNEAPOLIS, MN 554850411 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | — | $19K | 3.32% |
| CUSTOM BENEFITS PROGRAMS3 | 897 12TH STREET HAMMONTON, NJ 08037 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $40K | $1K | $41K | 8.15% |
| BSC AGENCY LLC3 Filed as: BSC AGENCY | P.O. BOX 850411 MINNEAPOLIS, MN 554850411 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | — | $17K | 3.40% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | — | $19K | 4.84% |
| CUSTOM BENEFITS PROGRAMS3 | 897 12TH STREET HAMMONTON, NJ 08037 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | $758 | $19K | 5.78% |
| BSC AGENCY LLC3 Filed as: BSC AGENCY | P.O. BOX 850411 MINNEAPOLIS, MN 554850411 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 2.38% |
| AON CONSULTING INC3 Filed as: AON HEWITT - ATLANTA GA | 29840 NETWORK PLACE CHICAGO, IL 606731298 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS COMPANY | $26K | — | $26K | 10.02% |
| AON CONSULTING INC3 Filed as: AON HEWITT - ATLANTA GA | 29840 NETWORK PLACE CHICAGO, IL 606731298 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS COMPANY | $22K | — | $22K | 10.64% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METLIFE LEGAL PLANS | $18K | — | $18K | 9.84% |
| AON CONSULTING INC3 Filed as: AON HEWITT - ATLANTA GA | 29840 NETWORK PLACE CHICAGO, IL 606731298 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS COMPANY | $12K | — | $12K | 11.28% |
| AON CONSULTING INC3 Filed as: AON HEWITT - ATLANTA GA | 29840 NETWORK PLACE CHICAGO, IL 606731298 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS COMPANY | $4K | — | $4K | 11.07% |
| AON CONSULTING INC3 Filed as: AON HEWITT - ATLANTA GA | 29840 NETWORK PLACE CHICAGO, IL 606731298 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS COMPANY | $1K | — | $1K | 10.01% |
| AON CONSULTING INC3 Filed as: AON HEWITT - ATLANTA GA | 29840 NETWORK PLACE CHICAGO, IL 606731298 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS COMPANY | $1K | — | $1K | 10.05% |
| AON CONSULTING INC3 Filed as: AON HEWITT - ATLANTA GA | 29840 NETWORK PLACE CHICAGO, IL 606731298 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS COMPANY | $824 | — | $824 | 7.94% |
| AON CONSULTING INC3 Filed as: AON HEWITT - ATLANTA GA | 29840 NETWORK PLACE CHICAGO, IL 606831298 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS COMPANY | $668 | — | $668 | 10.61% |
| AON CONSULTING INC3 Filed as: AON HEWITT - ATLANTA GA | 29840 NETWORK PLACE CHICAGO, IL 606731298 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS COMPANY | $283 | — | $283 | 10.94% |
| AON CONSULTING INC3 Filed as: AON HEWITT - ATLANTA GA | 29840 NETWORK PLACE CHICAGO, IL 606731298 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS COMPANY | $259 | — | $259 | 10.55% |
| AON CONSULTING INC3 Filed as: AON HEWITT - ATLANTA GA | 29840 NETWORK PLACE CHICAGO, IL 606731298 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS COMPANY | $245 | — | $245 | 10.46% |
| AON CONSULTING INC3 Filed as: AON HEWITT - ATLANTA GA | 29840 NETWORK PLACE CHICAGO, IL 606731298 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS COMPANY | $289 | — | $289 | 13.25% |
| AON CONSULTING INC3 Filed as: AON HEWITT - ATLANTA GA | 29840 NETWORK PLACE CHICAGO, IL 606731298 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS COMPANY | $112 | — | $112 | 8.39% |
| AON CONSULTING INC3 Filed as: AON HEWITT - ATLANTA GA | 29840 NETWORK PLACE CHICAGO, IL 606731298 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS COMPANY | $126 | — | $126 | 10.60% |
| AON CONSULTING INC3 Filed as: AON HEWITT - ATLANTA GA | 29840 NETWORK PLACE CHICAGO, IL 606731298 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS COMPANY | $93 | — | $93 | 9.55% |
| AON CONSULTING INC3 Filed as: AON HEWITT - ATLANTA GA | 29840 NETWORK PLACE CHICAGO, IL 606731298 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS COMPANY | $16 | — | $16 | 10.19% |
| AON CONSULTING INC3 Filed as: AON HEWITT - ATLANTA GA | 29840 NETWORK PLACE CHICAGO, IL 606731298 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS COMPANY | $9 | — | $9 | 11.25% |
| AON CONSULTING INC3 Filed as: AON HEWITT - ATLANTA GA | 29840 NETWORK PLACE CHICAGO, IL 606731298 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS COMPANY | $6 | — | $6 | 9.52% |
| AON CONSULTING INC3 Filed as: AON HEWITT - ATLANTA GA | 29840 NETWORK PLACE CHICAGO, IL 606731298 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS COMPANY | $6 | — | $6 | 30.00% |
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 | 4,235 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 58 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | HAWAII MEDICAL SERVICE ASSOCIATION | 24 | $168K |
| Vision(19 contracts) | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS COMPANY | 3,747 | $668K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 7,099 | $2.8M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,946 | $952K |
| Prescription drug(3 contracts) | HAWAII MEDICAL SERVICE ASSOCIATION | 24 | $168K |
| Other(12 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 6,813 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,099 | — |
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.