| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | SYMETRA LIFE INSURANCE COMPANY | $239K | — | $239K | 10.02% |
| CONNEXION INSURANCE SOLUTIONS3 | 7001 220TH STREET SW, MS320 MOUNTLAKE TERRAC, WA 98043 | SYMETRA LIFE INSURANCE COMPANY | $49K | — | $49K | 2.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | SYMETRA LIFE INSURANCE COMPANY | — | $3K | $3K | 0.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $146K | — | $146K | 11.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $16K | $16K | 1.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | KAISER FOUNDATION HEALTH PLAN INC | -$17K | — | -$17K | -4.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $8K | — | $8K | 3.02% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $11K | $123 | $12K | 12.18% |
| MARIA ORTIZ3 | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $2K | $25 | $2K | 2.38% |
| MARTA M SASTRE3 Filed as: MARTA SASTRE | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $2K | $24 | $2K | 1.72% |
| ALFRED RIETKERK3 | 3120 NE 47TH STREET FORT LAUDERDALE, FL 33308 | AFLAC | $508 | — | $508 | 0.54% |
| JESUS GARCIA JR.3 | 18370 MEDITERRANEAN BOULEVARD SUITE 2507 HIALEAH, FL 33015 | AFLAC | $53 | — | $53 | 0.06% |
| MJ INSURANCE3 Filed as: JUAN FERLINI AND VARIOUS AGENTS | 13826 CHRISTIAN BARRETT DRIVE MOORPARK, CA 93021 | AFLAC | $42 | — | $42 | 0.04% |
| SUWAT ASSAWAMATIYANONT3 | 1800 NE 48TH COURT FORT LAUDERDALE, FL 33308 | AFLAC | $39 | — | $39 | 0.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | HAWAII DENTAL SERVICE | $790 | — | $790 | 0.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $313 | $11K | 25.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | LIFEMAP ASSURANCE COMPANY | $4K | — | $4K | 9.90% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $3K | $42 | $3K | 9.67% |
| MARIA ORTIZ3 | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $679 | $8 | $687 | 2.04% |
| MARTA M SASTRE3 Filed as: MARTA SASTRE | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $466 | $9 | $475 | 1.41% |
| ALFRED RIETKERK3 | 3120 NE 47TH STREET FORT LAUDERDALE, FL 33308 | AFLAC | $233 | — | $233 | 0.69% |
| MJ INSURANCE3 Filed as: JW GRIMES INC AND VARIOUS AGENTS | 6165 WATERFORD ROAD COLUMBUS, GA 31904 | AFLAC | $62 | — | $62 | 0.18% |
| BARRY YOUNG ENTERPRISES INC.3 Filed as: BARRY YOUNG ENTERPRISES | 2003 WEST CYPRESS CREEK ROAD SUITE 100 FORT LAUDERDALE, FL 33309 | AFLAC | $59 | — | $59 | 0.18% |
| KENDALL C HUDSON3 Filed as: KENDALL HUDSON | 801 NORTHPOINT PARKWAY, SUITE 35 WEST PALM BEACH, FL 33407 | AFLAC | $34 | — | $34 | 0.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | UNIVERSAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| ROBIN BELL3 | 7805 SW 71ST AVENUE MIAMI, FL 33143 | AFLAC | $2K | $81 | $2K | 7.56% |
| MJ INSURANCE3 Filed as: MARIA ORTIZ AND VARIOUS AGENTS | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $862 | $32 | $894 | 3.20% |
| STEPHANIE M. SABELLICO3 Filed as: STEPHANIE SABELLICO | 3915 SW 60TH AVENUE MIAMI, FL 33155 | AFLAC | $528 | — | $528 | 1.89% |
| SYLVIA PALMA3 | 30845 BAY SHORE DRIVE BIG PINE KEY, FL 33043 | AFLAC | $470 | $46 | $516 | 1.85% |
| CHRISTOPHER C HAYWARD3 Filed as: CHRISTOPHER HAYWARD | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $398 | $16 | $414 | 1.48% |
| TALLON AND ASSOCIATES INC3 | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $327 | $16 | $343 | 1.23% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $178 | — | $178 | 0.64% |
| ESPERANZA FRANCIS3 | PO BOX 1384 KINGSHILL, VI 00851 | AFLAC | $1K | — | $1K | 5.04% |
| MJ INSURANCE3 Filed as: RAHIM ALMEIDA AND VARIOUS AGENTS | 6501 RED HOOK PLAZA, SUITE 201 SAINT THOMAS, VI 00802 | AFLAC | $963 | — | $963 | 4.07% |
| AVRILL JOSEPH-DOUGLAS3 Filed as: AVRILL JOSEPH DOUGLAS | 6516 ESTATE MANDAHL SAINT THOMAS, VI 00802 | AFLAC | $638 | — | $638 | 2.70% |
| LORNA BARTLETTE3 | PO BOX 9673 SAINT THOMAS, VI 00801 | AFLAC | $478 | — | $478 | 2.02% |
| EDWARD COX3 | 5213 FISHER STREET ZEPHYRHILLS, FL 33541 | AFLAC | $472 | — | $472 | 1.99% |
| MJ INSURANCE3 Filed as: CYNTHIA DESOUZA | PO BOX 303246 SAINT THOMAS, VI 00803 | AFLAC | $333 | — | $333 | 1.41% |
| DEVITA MCKENZIE3 | 110 SE 6TH STREET, SUITE 1700 FORT LAUDERDALE, FL 33301 | AFLAC | $300 | — | $300 | 1.27% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $2K | $20 | $2K | 11.34% |
| MARIA ORTIZ3 | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $355 | $4 | $359 | 2.53% |
| MARTA M SASTRE3 Filed as: MARTA SASTRE | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $264 | $4 | $268 | 1.89% |
| SANDRA VELAZQUEZ3 | 6374 SW 22ND STREET MIAMI, FL 33155 | AFLAC | $124 | — | $124 | 0.87% |
| MARIROSY GONZALEZ3 | 2200 SW 4TH AVENUE MIAMI, FL 33129 | AFLAC | $77 | — | $77 | 0.54% |
| ALFRED RIETKERK3 | 3120 NE 47TH STREET FORT LAUDERDALE, FL 33308 | AFLAC | $75 | — | $75 | 0.53% |
| JESUS GARCIA JR.3 Filed as: JESUS GARCIA JR | 18370 MEDITERRANEAN BOULEVARD SUITE 2507 HIALEAH, FL 33015 | AFLAC | $50 | — | $50 | 0.35% |
| ESPERANZA FRANCIS3 | PO BOX 1384 KINGSHILL, VI 00851 | AFLAC | $440 | — | $440 | 3.70% |
| EDWARD COX3 | 5213 FISHER STREET ZEPHYRHILLS, FL 33541 | AFLAC | $377 | — | $377 | 3.17% |
| LORNA BARTLETTE3 | PO BOX 9673 SAINT THOMAS, VI 00801 | AFLAC | $335 | — | $335 | 2.81% |
| DEVITA MCKENZIE3 | 110SE 6TH STREET, SUITE 1700 FORT LAUDERDALE, FL 33301 | AFLAC | $193 | — | $193 | 1.62% |
| AMBASSADOR FINANCIAL GROUP, INC.3 Filed as: AMBASSADOR FINANCIAL GROUP INC | 6079 CASTLE COAKLEY, SUITE 6 CHRISTIANSTED, VI 00820 | AFLAC | $122 | — | $122 | 1.03% |
| ALFRED RIETKERK3 | 3120 NE 47RH STREET FORT LAUDERDALE, FL 33308 | AFLAC | $59 | — | $59 | 0.50% |
| RAHIM ALMEIDA3 Filed as: RAHIM ALMEIDA AND OTHER AGENT | 6501 RED HOOK PLAZA, SUITE 201 SAINT THOMAS, VI 00802 | AFLAC | $18 | — | $18 | 0.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | HYATT LEGAL PLANS | $890 | — | $890 | 9.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 101 LARKSPUR LANDING CIRCLE SUITE 120 LARKSPUR, CA 94939 | HYATT LEGAL PLANS | — | $101 | $101 | 1.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | HYATT LEGAL PLANS | — | $41 | $41 | 0.44% |
| ELYSE EMIKO OSHIMO3 | 818 KEEAUMOKU STREET HONOLULU, HI 96808 | USABLE LIFE | $387 | — | $387 | 4.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 8TH FLOOR ITASCA, IL 60143 | USABLE LIFE | $67 | — | $67 | 0.74% |
| JANE KIKAWA3 | 2380 HALEKOA DRIVE HONOLULU, HI 96821 | USABLE LIFE | — | $21 | $21 | 0.23% |
| FELIX VALENTIN PAGAN3 | 1204 BULEVAR SAN LUIS COTO LAUREL, PR 00780 | AFLAC | $159 | — | $159 | 8.90% |
| RAFAEL VEGA TORO3 | PO BOX 800038 COTO LAUREL, PR 00780 | AFLAC | $33 | — | $33 | 1.85% |
| MARIA IRIZARRY GARCIA3 | 151 CALLE FEDERICO COSTAS INDUSTRIAL TRES MONJITAS, SUITE 5 SAN JUAN, PR 00918 | AFLAC | $27 | — | $27 | 1.51% |
| DANALIZ MARTINEZ RUIZ3 | PO BOX 360192 SAN JUAN, PR 00918 | AFLAC | $14 | — | $14 | 0.78% |
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 | 6,265 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 90 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,359 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 7 carriers) | HMSA | 1,028 | $4.8M |
| Dental(2 contracts) | HAWAII DENTAL SERVICE | 634 | $269K |
| Vision(3 contracts, 2 carriers) | HMSA | 476 | $3.3M |
| Life insurance(4 contracts, 4 carriers) | SYMETRA LIFE INSURANCE COMPANY | 5,155 | $3.7M |
| Short-term disability(3 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 5,155 | $3.7M |
| Long-term disability(4 contracts, 4 carriers) | SYMETRA LIFE INSURANCE COMPANY | 5,155 | $3.7M |
| Prescription drug(8 contracts, 6 carriers) | HMSA | 476 | $4.7M |
| Other(18 contracts, 12 carriers) | SYMETRA LIFE INSURANCE COMPANY | 6,265 | $4.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,265 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.