| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 611 POINTE NORTH BLVD ALBANY, GA 31721 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $75K | $75K | 3.84% |
| UMR, INC.3 | 115 W WAUSAU AVE WAUSAU, WI 54401 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $10K | $10K | 0.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | UKNOWN UKNOWN, IL 00000 | COMBINED INSURANCE | $391 | $0 | $391 | 1.35% |
| RUTH LARKIN3 | UKNOWN UKNOWN, IL 00000 | COMBINED INSURANCE | $302 | $0 | $302 | 1.04% |
| LTCI PARTNERS LLC3 | UKNOWN UKNOWN, IL 00000 | COMBINED INSURANCE | $224 | $0 | $224 | 0.77% |
| J MANNING AND ASSOCIATES3 | UKNOWN UKNOWN, IL 00000 | COMBINED INSURANCE | $201 | $0 | $201 | 0.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY- PA | 6 PPG PLACE, 4TH FLOOR PITTSBURGH, PA 15222 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 9.59% |
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 | 1,642 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,648 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 1,314 | $105K |
| Vision(3 contracts) | EYEMED | 1,795 | $101K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,642 | $520K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,641 | $292K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,283 | $1.9M |
| Other(6 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,642 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,795 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.