| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | PO BOX 745977 LOS ANGELES, CA 90074 | UNITEDHEALTHCARE INSURANCE COMPANY | $17K | $71K | $87K | 4.61% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD SUITE 2400 HOUSTON, TX 77042 | RELIANCE STANDARD LIFE INSURANCE CO | $15K | — | $15K | 10.26% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 3600 N. CAPITAL OF TX HIGHWAY BUILDING B, SUITE 100 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE CO | $7K | $6K | $13K | 9.21% |
| JIM FRENCH3 | 220 SOUTH KING STREET SUITE 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $2K | — | $2K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD SUITE 2400 HOUSTON, TX 77042 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 10.28% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 3600 N. CAPITAL OF TX HIGHWAY BUILDING B, SUITE 100 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $3K | $6K | 9.21% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD SUITE 2400 HOUSTON, TX 77042 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 10.27% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 3600 N. CAPITAL OF TX HIGHWAY BUILDING B, SUITE 100 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $1K | $3K | 9.22% |
| KACY LAVENDER4 Filed as: KACY K LAVENDER | 307 SPRING CRK MOODY, TX 76557 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $828 | — | $828 | 7.43% |
| CL SCOTT CORPORATE INSURANCE SVCS4 Filed as: CL SCOTT CORPORATE INSURANCE | 3600 N CAPITAL OF TEXAS HWY STE B100 AUSTIN, TX 78746 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $548 | — | $548 | 4.92% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: BARNEY & BARNEY | 8144 WALNUT HILL LN #15 DALLAS, TX 75231 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $42 | — | $42 | 0.38% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD SUITE 2400 HOUSTON, TX 77042 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $467 | — | $467 | 10.29% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 3600 N. CAPITAL OF TX HIGHWAY BUILDING B, SUITE 100 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $214 | $199 | $413 | 9.10% |
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 | 228 | 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) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 446 | $2.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 446 | $1.9M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 446 | $1.9M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE CO | 228 | $142K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 228 | $33K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 228 | $62K |
| Prescription drug | HAWAII MEDICAL ASSURANCE ASSOCIATION | 10 | $71K |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE CO | 228 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 446 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.