| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE ORIENTATION COMPANY, INC.3 | 2770 MAIN STREET, SUITE 228 FRISCO, TX 75033 | SYMETRA LIFE INSURANCE COMPANY | $1.6M | $389K | $2.0M | 30.77% |
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 | 11,696 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 62 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 436 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL SERVICE ASSOCIATION | 21 | $190K |
| Dental | HAWAII MEDICAL SERVICE ASSOCIATION | 21 | $190K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 7,426 | $631K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 11,696 | $6.6M |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 11,696 | $6.6M |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 11,696 | $6.6M |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCIATION | 21 | $190K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 11,696 | $6.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,696 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.