| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MICHIGAN, INC. | 5250 CORPORATE DRIVE, SUITE 200 TROY, MI 48098 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $267K | $18K | $285K | 13.70% |
| ROBERT C BRADLEY3 Filed as: ROBERT C. BRADLEY | 2399 HIGHWAY 34, BUILDING C2 MANASQUAN, NJ 08736 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $96K | $0 | $96K | 4.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 755 WEST BIG BEAVER ROAD SUITE 2300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $748 | $2 | $750 | 0.04% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS, INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $586 | $0 | $586 | 0.03% |
| CHRISTOPHER THOMAS SMITH3 Filed as: CHRISTOPHER ROBERT BRADLEY | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $79 | $0 | $79 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MICHIGAN, INC. | 5250 CORPORATE DRIVE, SUITE 200 TROY, MI 48098 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $7K | $0 | $7K | 3.49% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MICHIGAN, INC. | 35735 MOUND ROAD STERLING HEIGHTS, MI 48098 | EYEMED VISION CARE ON BEHALF OF THE COMBINED INSURANCE CO. OF AMERICA | $14K | $0 | $14K | 9.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MICHIGAN, INC. | 5250 CORPORATE DRIVE TROY, MI 48098 | EYEMED VISION CARE ON BEHALF OF THE COMBINED INSURANCE CO. OF AMERICA | $3K | $0 | $3K | 1.68% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MICHIGAN, INC. | 5250 CORPORATE DRIVE, SUITE 200 TROY, MI 48098 | UNUM INSURANCE COMPANY | $13K | $1K | $14K | 16.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MICHIGAN, INC. | 5250 CORPORATE DRIVE, SUITE 200 TROY, MI 48098 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $0 | $7K | 17.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 755 WEST BIG BEAVER ROAD SUITE 2300 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $612 | $0 | $612 | 1.46% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS, INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $554 | $0 | $554 | 1.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 755 WEST BIG BEAVER ROAD SUITE 2300 TROY, MI 48084 | FIRST UNUM LIFE INSURANCE COMPANY | $76 | $0 | $76 | 4.14% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS, INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | FIRST UNUM LIFE INSURANCE COMPANY | $35 | $0 | $35 | 1.91% |
| CHRISTOPHER THOMAS SMITH3 Filed as: CHRISTOPHER ROBERT BRADLEY | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | FIRST UNUM LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.05% |
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 | 2,782 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,803 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 41 | $206K |
| Dental(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 798 | $393K |
| Vision(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 2,455 | $362K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,782 | $2.1M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,782 | $2.1M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,782 | $2.1M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 41 | $206K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,170 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,170 | — |
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.