| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SUN LIFE ASSURANCE COMPANY OF CANADA | $153K | — | $153K | 5.95% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SUN LIFE ASSURANCE COMPANY OF CANADA | $127K | — | $127K | 4.96% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | RELIASTAR LIFE INSURANCE COMPANY | $57K | — | $57K | 4.51% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD WEST DES MOINES, IA 502653566 | RELIASTAR LIFE INSURANCE COMPANY | — | $25K | $25K | 2.00% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $29K | — | $29K | 2.50% |
| BUSINESSOLVER.COM, INC.3 Filed as: BUSINESSOLVER INC | 1025 ASHWORTH RD STE 403 WEST DES MOINES, IA 50265 | RELIASTAR LIFE INSURANCE COMPANY | $150K | — | $150K | 18.21% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD WEST DES MOINES, IA 502653566 | RELIASTAR LIFE INSURANCE COMPANY | — | $30K | $30K | 3.64% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE INSURANCE BENEFITS INC | 11910 ANDERSON MILL RD AUSTIN, TX 78726 | RELIASTAR LIFE INSURANCE COMPANY | $15K | — | $15K | 1.79% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | — | $16K | 2.50% |
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 | 2,701 | 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) | 2,711 | 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 | $970K |
| Dental(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 4,334 | $1.4M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4,334 | $408K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 7,206 | $1.3M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,593 | $1.2M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,300 | $656K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 143 | $960K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,075 | $2.6M |
| Other(3 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 7,206 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,206 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.