| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $139K | $0 | $139K | 10.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $16K | $16K | 1.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | SYMETRA LIFE INSURANCE COMPANY | $90K | $0 | $90K | 11.09% |
| CONNEXION INSURANCE SOLUTIONS3 | 7001 220TH STREET SW, MS320 MOUNTLAKE TERRACE, WA 98043 | SYMETRA LIFE INSURANCE COMPANY | $16K | $0 | $16K | 1.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | SYMETRA LIFE INSURANCE COMPANY | $0 | $10K | $10K | 1.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $8K | $98 | $8K | 3.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $8K | $0 | $8K | 3.72% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $8K | $447 | $9K | 10.34% |
| MARIA ORTIZ3 | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $2K | $89 | $2K | 2.24% |
| MARTA M SASTRE3 Filed as: MARTA SASTRE | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $1K | $89 | $1K | 1.63% |
| MARIANA CHRISTIN SANCHEZ-MEDINA3 Filed as: MARIANA SANCHEZ-MEDINA | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $1K | $0 | $1K | 1.24% |
| ALFRED RIETKERK3 | 3120 NE 47TH STREET FORT LAUDERDALE, FL 33308 | AFLAC | $382 | $0 | $382 | 0.46% |
| MJ INSURANCE3 Filed as: JUAN FERLINI AND VARIOUS AGENTS | 13826 CHRISTIAN BARRETT DRIVE MOORPARK, CA 93021 | AFLAC | $128 | $0 | $128 | 0.15% |
| SUWAT ASSAWAMATIYANONT3 | 8171 HAMPTON WOOD DRIVE BOCA RATON, FL 33433 | AFLAC | $97 | $0 | $97 | 0.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | HAWAII DENTAL SERVICE | $831 | $0 | $831 | 1.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | LIFEMAP ASSURANCE COMPANY | $3K | $0 | $3K | 6.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 8TH FLOOR ITASCA, IL 60143 | USABLE LIFE | $5K | $0 | $5K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | STANDARD INSURANCE COMPANY | $11K | $84 | $11K | 25.19% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $2K | $94 | $3K | 8.26% |
| MARIA ORTIZ3 | 7400 SW 50TH TERRACE,L SUITE 300 MAIMI, FL 33155 | AFLAC | $580 | $19 | $599 | 1.92% |
| MARTA M SASTRE3 Filed as: MARTA SASTRE | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $389 | $19 | $408 | 1.30% |
| ALFRED RIETKERK3 | 3120 NE 47TH STREET FORT LAUDERDALE, FL 33308 | AFLAC | $199 | $0 | $199 | 0.64% |
| MARIANA CHRISTIN SANCHEZ-MEDINA Filed as: MARIANA SANCHEZ-MEDINA | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $174 | $0 | $174 | 0.56% |
| MJ INSURANCE3 Filed as: KENDALL HUDSON AND VARIOUS AGENTS | 801 NORTHPOINT PARKWAY, SUITE 35 WEST PALM BEACH, FL 33407 | AFLAC | $144 | $0 | $144 | 0.46% |
| BARRY YOUNG ENTERPRISES INC.3 Filed as: BARRY YOUNG ENTERPRISES | 2003 WEST CYPRESS CREEK ROAD SUITE 100 FORT LAUDERDALE, FL 33309 | AFLAC | $50 | $0 | $50 | 0.16% |
| ESPERANZA FRANCIS3 | PO BOX 1384 KINGSHILL, VI 00851 | AFLAC | $1K | $136 | $1K | 5.16% |
| MJ INSURANCE3 Filed as: OCIA GUMBS AND VARIOUS AGENTS | 3802 GASVERKS GADE SUITE 203 PETRAS PLAZA STREET SAINT THOMAS, VI 00802 | AFLAC | $1K | $82 | $1K | 4.43% |
| AVRILL JOSEPH-DOUGLAS3 Filed as: AVRILL JOSEPH DOUGLAS | 6516 ESTATE MANDAHL SAINT THOMAS, VI 00802 | AFLAC | $976 | $168 | $1K | 4.13% |
| MJ INSURANCE3 Filed as: CYNTHIA DESOUZA | PO BOX 303246 SAINT THOMAS, VI 00803 | AFLAC | $512 | $109 | $621 | 2.24% |
| RAHIM ALMEIDA3 | 6501 RED HOOK PLAZA, SUITE 201 SAINT THOMAS, VI 00802 | AFLAC | $364 | $82 | $446 | 1.61% |
| LORNA BARTLETTE3 | PO BOX 9673 SAINT THOMAS, VI 00801 | AFLAC | $426 | $0 | $426 | 1.54% |
| EDWARD COX3 | 5213 FISHER STREET ZEPHYRHILLS, FL 33541 | AFLAC | $418 | $0 | $418 | 1.51% |
| ROBIN BELL3 | 7805 SW 71ST AVENUE MIAMI, FL 33143 | AFLAC | $987 | $31 | $1K | 4.58% |
| MJ INSURANCE3 Filed as: EILEEN MEDINA AND VARIOUS AGENTS | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $463 | $19 | $482 | 2.17% |
| CHIRSTOPHER HAYWARD3 | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $229 | $6 | $235 | 1.06% |
| STEPHANIE M. SABELLICO3 Filed as: STEPHANIE SABELLICO | 3915 SW 60TH AVENUE MIAMI, FL 33155 | AFLAC | $209 | $14 | $223 | 1.00% |
| TALLON AND ASSOCIATES INC3 Filed as: TALLON AND ASSOCIATES, INC. | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $186 | $6 | $192 | 0.86% |
| LEONAGGEO BENEFITS INC3 Filed as: LEONAGGEO BENEFITS, INC. | 1 EAST CHESTERFIELD DRIVE BOYNTON BEACH, FL 33426 | AFLAC | $129 | $0 | $129 | 0.58% |
| SUE EUSEPI AND ASSOC INC3 Filed as: SUE EUSEPI AND ASSOCIATES, INC. | PO BOX 631 JUPITER, FL 33468 | AFLAC | $112 | $0 | $112 | 0.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | HYATT LEGAL PLANS | $1K | $0 | $1K | 10.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | HYATT LEGAL PLANS | $0 | $64 | $64 | 0.58% |
| ESPERANZA FRANCIS3 | PO BOX 1384 KINGSHILL, VI 00851 | AFLAC | $444 | $0 | $444 | 4.35% |
| EDWARD COX3 | 5213 FISHER STREET ZEPHYRHILLS, FL 33541 | AFLAC | $319 | $0 | $319 | 3.12% |
| LORNA BARTLETTE3 | PO BOX 9673 SAINT THOMAS, VI 00801 | AFLAC | $282 | $0 | $282 | 2.76% |
| DE VITA B MCKENZIE3 Filed as: DE VITA MCKENZIE | 733 BISHOP STREET, SUITE 2530 HONOLULU, HI 96813 | AFLAC | $175 | $0 | $175 | 1.71% |
| AMBASSADOR FINANCIAL GROUP, INC.3 | LOT 200 9083 ESTATE PETERS REST CHRISTIANSTED, VI 00820 | AFLAC | $113 | $0 | $113 | 1.11% |
| ALFRED RIETKERK3 | 3120 NE 47TH STREET FORT LAUDERDALE, FL 33308 | AFLAC | $49 | $0 | $49 | 0.48% |
| RAHIM ALMEIDA3 Filed as: RAHIM ALMEIDA AND OTHER AGENT | 6501 RED HOOK PLAZA, SUITE 201 SAINT THOMAS, VI 00802 | AFLAC | $36 | $0 | $36 | 0.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $2K | $0 | $2K | 15.00% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TERRANCE MIAMI, FL 33155 | AFLAC | $368 | $127 | $495 | 4.91% |
| MARIA ORTIZ3 | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $151 | $25 | $176 | 1.74% |
| MARTA M SASTRE3 Filed as: MARTA SASTRE | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $95 | $25 | $120 | 1.19% |
| MJ INSURANCE3 Filed as: SANDRA VELAZQUEZ AND VARIOUS AGENTS | 6374 SW 22ND STREET MIAMI, FL 33155 | AFLAC | $112 | $0 | $112 | 1.11% |
| MARIROSY GONZALEZ3 | 2200 SW 4TH AVENUE MIAMI, FL 33129 | AFLAC | $54 | $0 | $54 | 0.54% |
| ALFRED RIETKERK3 | 3120 NE 47TH STREET FORT LAUDERDALE, FL 33308 | AFLAC | $50 | $0 | $50 | 0.50% |
| JESUS GARCIA JR.3 Filed as: JESUS GARCIA, JR. | 18370 MEDITERRANEAN BOULEVARD SUITE 2507 HIALEAH, FL 33015 | AFLAC | $35 | $0 | $35 | 0.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.01% |
| FELIX VALENTIN PAGAN3 | 1204 BULEVAR SAN LUIS COTO LAUREL, PR 00780 | AFLAC | $87 | $0 | $87 | 8.90% |
| RAFAEL VEGA TORO3 | PO BOX 800038 COTO LAUREL, PR 00780 | AFLAC | $15 | $0 | $15 | 1.53% |
| MARIA IRIZARRY GARCIA3 | 151 CALLE FEDERICO COSTAS INDUSTRIAL TRES MONJITAS, SUITE 5 SAN JUAN, PR 00918 | AFLAC | $15 | $0 | $15 | 1.53% |
| DANALIZ MARTINEZ RUIZ3 | PO BOX 360192 SAN JUAN, PR 00936 | AFLAC | $7 | $0 | $7 | 0.72% |
| MIGUEL NUNEZ COLON3 | PO BOX 250392 AGUADILLA, PR 00604 | AFLAC | $1 | $0 | $1 | 0.10% |
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 | 5,432 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 119 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,551 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 6 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 477 | $5.2M |
| Dental(2 contracts) | HAWAII DENTAL SERVICE | 648 | $275K |
| Vision(4 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 456 | $4.3M |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,032 | $2.2M |
| Short-term disability(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,032 | $2.2M |
| Long-term disability(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,032 | $2.2M |
| Prescription drug(7 contracts, 4 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 456 | $5.1M |
| Other(15 contracts, 9 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,710 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,710 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.