| 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 | $247K | $0 | $247K | 9.44% |
| CONNEXION INSURANCE SOLUTIONS3 | 7001 220TH STREET SW, SUITE MS320 MOUNTLAKE TERRACE, WA 98043 | SYMETRA LIFE INSURANCE COMPANY | $57K | $0 | $57K | 2.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | SYMETRA LIFE INSURANCE COMPANY | $0 | $30K | $30K | 1.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $78K | $0 | $78K | 17.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $6K | $6K | 1.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $5K | $0 | $5K | 1.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $6K | $58 | $6K | 4.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $3K | $0 | $3K | 1.99% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $9K | $382 | $9K | 9.37% |
| MARIA ORTIZ3 | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $2K | $98 | $2K | 2.21% |
| MARTA M SASTRE3 Filed as: MARTA SASTRE | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $1K | $98 | $2K | 1.61% |
| MARIA ORTIZ3 Filed as: MARIA SANCHEZ-MEDINA | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $1K | $61 | $1K | 1.51% |
| ALFRED RIETKERK3 | 3120 NE 47TH STREET FORT LAUDERDALE, FL 33308 | AFLAC | $381 | $0 | $381 | 0.39% |
| SHIRLEY SASTRE SOUTO3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $360 | $0 | $360 | 0.37% |
| S. ASSAWAMATIYANONT & OTHER AGENTS3 | 8171 HAMPTON WOOD DRIVE BOCA RATON, FL 33433 | AFLAC | $284 | $0 | $284 | 0.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 603 NORTH 39TH AVENUE, SUITE 102 YAKIMA, WA 98902 | HAWAII DENTAL SERVICE | $914 | $0 | $914 | 1.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | STANDARD INSURANCE COMPANY | $8K | $2K | $10K | 17.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | STANDARD INSURANCE COMPANY | $11K | $0 | $11K | 25.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | $0 | $848 | $848 | 1.90% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $3K | $75 | $3K | 7.57% |
| MARIA ORTIZ3 Filed as: MARIA SANCHEZ-MEDINA | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $1K | $11 | $1K | 3.16% |
| MARIA ORTIZ3 | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $771 | $19 | $790 | 2.08% |
| MARTA M SASTRE3 Filed as: MARTA SASTRE | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $522 | $19 | $541 | 1.42% |
| ALFRED RIETKERK3 | 3120 NE 47TH STREET FORT LAUDERDALE, FL 33308 | AFLAC | $214 | $0 | $214 | 0.56% |
| S. ASSAWAMATIYANONT & OTHER AGENTS3 | 8171 HAMPTON WOOD DRIVE BOCA RATON, FL 33433 | AFLAC | $155 | $0 | $155 | 0.41% |
| BARRY YOUNG ENTERPRISES INC.3 Filed as: BARRY YOUNG ENTERPRISES | 2003 WEST CYPRESS CREEK ROAD SUITE 101 FORT LAUDERDALE, FL 33309 | AFLAC | $54 | $0 | $54 | 0.14% |
| MJ INSURANCE3 Filed as: CYNTHIA DESOUZA AND VARIOUS AGENTS | PO BOX 303248 SAINT THOMAS, VI 00803 | AFLAC | $577 | $0 | $577 | 2.28% |
| ESPERANZA FRANCIS3 | PO BOX 1384 KINGSHILL, VI 00851 | AFLAC | $444 | $0 | $444 | 1.76% |
| LORNA BARTLETTE3 | PO BOX 9673 SAINT THOMAS, VI 00801 | AFLAC | $352 | $0 | $352 | 1.39% |
| EDWARD COX3 | 5213 FISHER STREET ZEPHYRHILLS, FL 33541 | AFLAC | $346 | $0 | $346 | 1.37% |
| DE VITA B MCKENZIE3 Filed as: DE VITA MCKENZIE | 1050 BISHOP STREET, SUITE 120 HONOLULU, HI 96813 | AFLAC | $238 | $0 | $238 | 0.94% |
| AVRILL JOSEPH-DOUGLAS3 Filed as: AVRILL JOSEPH DOUGLAS | 6516 ESTATE MANDAHL SAINT THOMAS, VI 00802 | AFLAC | $237 | $0 | $237 | 0.94% |
| OCIA RICHARDS GUMBS3 | 3802 GASVERKS GADE SUITE 302 PETRAS PLAZA STREET SAINT THOMAS, VI 00802 | AFLAC | $204 | $0 | $204 | 0.81% |
| ROBIN BELL3 | 7805 SW 71ST AVENUE MIAMI, FL 33143 | AFLAC | $782 | $0 | $782 | 3.75% |
| STEPHANIE M. SABELLICO3 Filed as: STEPHANIE SABELLICO | 6840 SW 45TH LANE, APARTMENT 10 MIAMI, FL 33155 | AFLAC | $676 | $24 | $700 | 3.36% |
| MJ INSURANCE3 Filed as: MARTA SASTRE AND VARIOUS AGENTS | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $614 | $5 | $619 | 2.97% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $414 | $3 | $417 | 2.00% |
| CHRISTOPHER C HAYWARD3 Filed as: CHRISTOPHER HAYWARD | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $178 | $0 | $178 | 0.85% |
| MARIA ORTIZ3 | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $172 | $5 | $177 | 0.85% |
| TALLON AND ASSOCIATES INC3 Filed as: TALLON AND ASSOCIATES, INC. | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $142 | $0 | $142 | 0.68% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $528 | $0 | $528 | 4.36% |
| STEPHANIE M. SABELLICO3 Filed as: STEPHANIE SABELLICO | 6840 SW 45TH LANE, APARTMENT 10 MIAMI, FL 33155 | AFLAC | $258 | $0 | $258 | 2.13% |
| MARIA ORTIZ3 | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $220 | $0 | $220 | 1.82% |
| MJ INSURANCE3 Filed as: JESUS GARCIA JR AND VARIOUS AGENTS | 18370 MEDITERRANEAN BOULEVARD APARTMENT 2507 HIALEAH, FL 33015 | AFLAC | $155 | $0 | $155 | 1.28% |
| MARTA M SASTRE3 Filed as: MARTA SASTRE | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $147 | $0 | $147 | 1.21% |
| MARIROSY GONZALEZ3 | 2200 SW FOURTH AVENUE MIAMI, FL 33129 | AFLAC | $59 | $0 | $59 | 0.49% |
| ALFRED RIETKERK3 | 3120 NE 47TH STREET FORT LAUDERDALE, FL 33308 | AFLAC | $49 | $0 | $49 | 0.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | HYATT LEGAL PLANS | $901 | $92 | $993 | 8.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | HYATT LEGAL PLANS | $193 | $90 | $283 | 2.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 35 WATERVIEW BOULEVARD, SUITE 300 PARSIPPANY, NJ 07054 | HYATT LEGAL PLANS | $0 | $26 | $26 | 0.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | HYATT LEGAL PLANS | $0 | $11 | $11 | 0.10% |
| ESPERANZA FRANCIS3 | PO BOX 1384 KINGSHILL, VI 00851 | AFLAC | $348 | $0 | $348 | 3.12% |
| EDWARD COX3 | 5213 FISHER STREET ZEPHYRHILLS, FL 33541 | AFLAC | $348 | $0 | $348 | 3.12% |
| LORNA BARTLETTE3 | PO BOX 9673 SAINT THOMAS, VI 00801 | AFLAC | $308 | $0 | $308 | 2.76% |
| DE VITA B MCKENZIE3 Filed as: DE VITA MCKENZIE | 1050 BISHOP STREET, SUITE 120 HONOLULU, HI 96813 | AFLAC | $191 | $0 | $191 | 1.71% |
| AMBASSADOR FINANCIAL GROUP, INC.3 | LOT 200 9083 ESTATE PETERS REST CHRISTIANSTED, VI 00820 | AFLAC | $104 | $0 | $104 | 0.93% |
| ALFRED RIETKERK3 | 3120 NE 47TH STREET FORT LAUDERDALE, FL 33308 | AFLAC | $54 | $0 | $54 | 0.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
| FELIX VALENTIN PAGAN3 | 1204 BULEVAR SAN LUIS VILLAS DEL LAUREL 1 COTO LAUREL, PR 00780 | AFLAC | $2K | $0 | $2K | 41.55% |
| MARIA IRIZARRY GARCIA3 | 151 CALLE FEDERICO COSTAS INDUSTRIAL, TRES MONJITAS SUITE 5 SAN JUAN, PR 00918 | AFLAC | $312 | $0 | $312 | 5.59% |
| RAFAEL VEGA TORO3 | PO BOX 800038 COTO LAUREL, PR 00780 | AFLAC | $15 | $0 | $15 | 0.27% |
| DANALIZ MARTINEZ RUIZ3 | PO BOX 360192 SAN JUAN, PR 00936 | AFLAC | $7 | $0 | $7 | 0.13% |
| MIGUEL NUNEZ COLON3 | PO BOX 250392 AGUADILLA, PR 00604 | AFLAC | $1 | $0 | $1 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $83 | $0 | $83 | 15.01% |
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 | 4,410 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 54 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,464 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 6 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 402 | $6.2M |
| Dental(2 contracts) | HAWAII DENTAL SERVICE | 536 | $295K |
| Vision(4 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 372 | $5.1M |
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 3,325 | $3.1M |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 3,325 | $2.6M |
| Long-term disability(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 3,325 | $2.6M |
| Prescription drug(8 contracts, 4 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 372 | $6.1M |
| Other(15 contracts, 8 carriers) | SYMETRA LIFE INSURANCE COMPANY | 4,410 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,410 | — |
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.