| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | RELIASTAR LIFE INSURANCE COMPANY | $44K | $0 | $44K | 4.50% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD WEST DES MOINES, IA 502653566 | RELIASTAR LIFE INSURANCE COMPANY | — | $20K | $20K | 2.00% |
| BUSINESSOLVER.COM, INC.3 Filed as: BUSINESSOLVER INC | 1025 ASHWORTH RD STE 403 WEST DES MOINES, IA 50265 | RELIASTAR LIFE INSURANCE COMPANY | $111K | $0 | $111K | 15.64% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE INSURANCE BENEFITS INC | 11910 ANDERSON MILL RD AUSTIN, TX 78726 | RELIASTAR LIFE INSURANCE COMPANY | $31K | — | $31K | 4.36% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD WEST DES MOINES, IA 502653566 | RELIASTAR LIFE INSURANCE COMPANY | — | $22K | $22K | 3.13% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | $11K | $27K | 4.19% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $6K | $17K | 3.93% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $11K | $5K | $16K | 4.85% |
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 | 1,947 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,957 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 1,712 | $940K |
| Dental(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 3,346 | $1.3M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,346 | $328K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 5,112 | $983K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,244 | $645K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,785 | $436K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 143 | $930K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,346 | $328K |
| Other(3 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 5,112 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,112 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.