| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE ORIENTATION COMPANY, INC.3 Filed as: THE ORIENTATION COMPANY INC. | 2770 MAIN STREET, SUITE 228 FRISCO, TX 75206 | SYMETRA LIFE INSURANCE COMPANY | $154K | $108K | $262K | 6.82% |
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 | 9,146 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 350 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 313 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,809 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL SERVICE ASSOCIATION | 30 | $183K |
| Dental | HAWAII MEDICAL SERVICE ASSOCIATION | 30 | $183K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 7,927 | $710K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 7,779 | $3.8M |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 7,779 | $3.8M |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 7,779 | $3.8M |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCIATION | 30 | $183K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 7,779 | $4.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,927 | — |
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.