| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 6718 SOMERSET, NJ 08875 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $890K | — | $890K | 19.42% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $167K | — | $167K | 3.64% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $890 | $890 | 0.02% |
| 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 | $24K | — | $24K | 9.36% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METLIFE LEGAL PLANS | $19K | — | $19K | 9.63% |
| BUSINESSOLVER.COM, INC.3 Filed as: BUSINESSOLVER.COM, INC | 1025 ASHWORTH ROAD WEST DES MOINES, IA 50265 | METLIFE LEGAL PLANS | — | $2K | $2K | 0.99% |
| AON CONSULTING INC3 | 200 E RANDOLPH STREET CHICAGO, IL 60601 | METLIFE LEGAL PLANS | — | $538 | $538 | 0.27% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 199 WATER STREET 12TH FLOOR NEW YORK, NY 10038 | METLIFE LEGAL PLANS | — | $111 | $111 | 0.06% |
| 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 | $17K | — | $17K | 9.05% |
| 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 | $6K | — | $6K | 12.06% |
| 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 | $3K | — | $3K | 8.03% |
| 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 | $3K | — | $3K | 12.08% |
| 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 | 9.87% |
| 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 | 9.93% |
| 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 | $64 | — | $64 | 1.35% |
| 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 | $223 | — | $223 | 6.77% |
| 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 | -$512 | — | -$512 | -16.52% |
| 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 | $230 | — | $230 | 9.64% |
| 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 | $76 | — | $76 | 4.53% |
| 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 | $146 | — | $146 | 10.30% |
| 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 | $96 | — | $96 | 24.49% |
| 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 | $43 | — | $43 | 21.08% |
| 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 | $12 | — | $12 | 8.96% |
| 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 | -$4 | — | -$4 | — |
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 | 4,313 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 68 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,381 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | HAWAII MEDICAL SERVICE ASSOCIATION | 21 | $140K |
| Vision(18 contracts) | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS COMPANY | 3,800 | $599K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 5,921 | $4.6M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 5,921 | $4.6M |
| Prescription drug(3 contracts) | HAWAII MEDICAL SERVICE ASSOCIATION | 21 | $140K |
| Other(8 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 5,921 | $4.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,921 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.