| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 81420 5TH AVENUE SEATTLE, WA 981014030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $20K | $39K | 2.38% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 81420 5TH AVENUE SEATTLE, WA 981014030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 1.25% |
| CUSTOMER BENEFITS PROGRAM INC3 Filed as: CUSTOMER BENEFITS PROGRAMS, INC | 897 12TH STREET HAMMONTON, NJ 08037 | LEGALPLANS, USA | $4K | — | $4K | 8.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 81420 5TH AVENUE SEATTLE, WA 981014030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $263 | $263 | 1.25% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 81420 5TH AVENUE SEATTLE, WA 981014030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $139 | $139 | 1.25% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 81420 5TH AVENUE SEATTLE, WA 981014030 | FIRST UNUM LIFE INSURANCE COMPANY | — | $101 | $101 | 1.25% |
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 | 3,204 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 108 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,312 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 312 | $7.4M |
| Dental | HAWAII MEDICAL SERVICE ASSOCIATION | 49 | $349K |
| Vision | HAWAII MEDICAL SERVICE ASSOCIATION | 49 | $349K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,290 | $2.1M |
| Short-term disability(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,290 | $1.7M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,290 | $1.6M |
| Prescription drug(8 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 312 | $7.4M |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,739 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,739 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.