| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD STE 600 RALEIGH, NC 27612 | MINNESOTA LIFE INSURANCE COMPANY | $43K | $51K | $94K | 3.24% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1125 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30004 | MINNESOTA LIFE INSURANCE COMPANY | $15K | $19K | $33K | 1.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | PO BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $413K | $3K | $416K | 15.29% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 240282748 | HARTFORD LIFE AND ACCIDENT | $13K | $0 | $13K | 0.48% |
| CLARITY BENEFIT CONSULTING LLC3 | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 300097614 | HARTFORD LIFE AND ACCIDENT | $7K | $0 | $7K | 0.24% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $0 | $5K | $5K | 0.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $108K | $0 | $108K | 7.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 2601 CAMBRIDGE CT STE 435 AUBURN HILLS, MI 300097614 | VISION SERVICE PLAN | $381 | $0 | $381 | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD RALEIGH, NC 27612 | MINNESOTA LIFE INSURANCE COMPANY | $15K | $17K | $31K | 3.28% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 1125 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30004 | MINNESOTA LIFE INSURANCE COMPANY | $5K | $6K | $11K | 1.11% |
| TRION GROUP, INC.3 Filed as: TRION GROUP | A MARSH MCLENNON 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | MINNESOTA LIFE INSURANCE COMPANY | $6K | $6K | $12K | 3.20% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 1125 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30004 | MINNESOTA LIFE INSURANCE COMPANY | $2K | $6K | $8K | 2.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES HOUSTON LLC | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | METROPOLITAN LIFE INSURANCE COMPANY | $54K | $11K | $65K | 25.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 501 N RIVERPOINT BLVD STE 403 SPOKANE, WA 992021649 | METROPOLITAN LIFE INSURANCE COMPANY | $528 | $0 | $528 | 0.20% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 10 ALMADEN BLVD STE 650 SAN JOSE, CA 95113 | METROPOLITAN LIFE INSURANCE COMPANY | $509 | $0 | $509 | 0.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | $744 | $968 | $2K | 0.97% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 5444 WESTHEIMER RD STE 900 HOUSTON, TX 770565306 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.89% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 10 ALMADEN BLVD STE 650 SAN JOSE, CA 951132237 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $45 | $1K | 0.61% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 451408320 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $13 | $13 | 0.01% |
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 | 13,959 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 110 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 818 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 14,887 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 323 | $5.6M |
| Dental(2 contracts, 2 carriers) | TRIPLE S SALUD INC | 77 | $780K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 8,039 | $1.7M |
| Life insurance(2 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 13,959 | $3.9M |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 3,893 | $2.7M |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 3,893 | $2.9M |
| Prescription drug(5 contracts, 4 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 323 | $5.6M |
| Other(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 13,959 | $4.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,959 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.