| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 751 ARBOY WAY #250 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $70K | $70K | 2.00% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | METROPOLITAN LIFE INSURANCE COMPANY | $254K | $140 | $254K | 19.77% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $13K | $13K | 0.99% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $212 | $212 | 0.02% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | METLIFE LEGAL PLANS | $29K | $0 | $29K | 10.02% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | METLIFE LEGAL PLANS | $0 | $2K | $2K | 0.74% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK RD SUITE 3 FARMINGTON, CT 06032 | METLIFE LEGAL PLANS | $0 | $662 | $662 | 0.23% |
| LOCKTON COMPANIES, LLC3 | 7 TIMES SQUARE TOWER SUITE 3802 NEW YORK, NY 10036 | METLIFE LEGAL PLANS | -$1 | $70 | $69 | 0.02% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | METLIFE LEGAL PLANS | $0 | $24 | $24 | 0.01% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH | — | $8K | $8K | 20.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | $0 | $81 | $81 | 20.00% |
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 | 7,159 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 74 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL SERVICE ASSOCIATION | 47 | $349K |
| Dental | HAWAII MEDICAL SERVICE ASSOCIATION | 47 | $349K |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY INSURANCE CO. | 12,509 | $1.3M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7,137 | $3.5M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7,137 | $3.5M |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCIATION | 47 | $349K |
| Other(7 contracts, 7 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7,255 | $5.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,509 | — |
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.