| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE, SUITE 1500 SEATTLE, WA 98101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $55K | $5K | $59K | 14.01% |
| RUEBEN WARNER ASSOCIATES, INC.3 Filed as: RUEBEN WARNER ASSOCIATES | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 17.00% |
| CRYSTAL IBC LLC3 Filed as: CRYSTAL AND COMPANY | 32 OLD SLIP NEW YORK, NY 10005 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 15.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 101162 PASADENA, CA 91189 | MANAGED HEALTH NETWORK | $545 | — | $545 | 5.00% |
| CLEARPOINT, LLC4 | 1420 5TH AVENUE, SUITE 1500 SEATTLE, WA 98101 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $640 | — | $640 | 13.14% |
| ELIZABETH M RIEN4 Filed as: ELIZABETH M. RIEN | 5939 YORKSHIRE DRIVE PARADISE, CA 95969 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $579 | — | $579 | 11.89% |
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 | 421 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 421 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL SERVICE ASSOCIATION | 1 | $5K |
| Dental | HAWAII MEDICAL SERVICE ASSOCIATION | 1 | $5K |
| Vision | HAWAII MEDICAL SERVICE ASSOCIATION | 1 | $5K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 421 | $430K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 421 | $424K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 421 | $424K |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCIATION | 1 | $5K |
| Other(5 contracts, 5 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 421 | $459K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 421 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.