| 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 | $346K | $0 | $346K | 10.61% |
| CONNEXION INSURANCE SOLUTIONS3 | 7001 220TH STREET SW, SUITE MS320 MOUNTLAKE TERRACE, WA 98043 | SYMETRA LIFE INSURANCE COMPANY | $70K | $0 | $70K | 2.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | SYMETRA LIFE INSURANCE COMPANY | $0 | $28K | $28K | 0.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $5K | $0 | $5K | 0.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $75K | $0 | $75K | 17.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $5K | $5K | 1.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $2K | $48 | $3K | 2.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | STANDARD INSURANCE COMPANY | $20K | $545 | $20K | 19.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 1.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 603 NORTH 39TH AVENUE, SUITE 102 YAKIMA, WA 98902 | HAWAII DENTAL SERVICE | $913 | $0 | $913 | 0.90% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $6K | $333 | $6K | 6.69% |
| MARIA ORTIZ3 | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $1K | $80 | $2K | 1.76% |
| MARTA M SASTRE3 Filed as: MARTA SASTRE | 1214 COLUMBUS BOULEVARD CORAL GABLES, FL 33134 | AFLAC | $907 | $80 | $987 | 1.12% |
| ALFRED RIETKERK3 | 3120 NE 47TH STREET FORT LAUDERDALE, FL 33308 | AFLAC | $363 | $0 | $363 | 0.41% |
| MARIANA CHRISTIN SANCHEZ-MEDINA3 Filed as: MARIANA SANCHEZ-MEDIAN | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $223 | $37 | $260 | 0.29% |
| ASSAWAMATIFYANONT AND OTHER AGENTS3 | 8171 HAMPTON WOOD DRIVE BOCA RATON, FL 33433 | AFLAC | $236 | $0 | $236 | 0.27% |
| JUAN JOSE RAMIREZ3 Filed as: JUAN RAMIREZ | 15840 SW 105TH AVENUE MIAMI, FL 33157 | AFLAC | $173 | $0 | $173 | 0.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 603 NORTH 39TH AVENUE, SUITE 102 YAKIMA, WA 98902 | HAWAII DENTAL SERVICE | $549 | $0 | $549 | 1.00% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $2K | $81 | $3K | 6.66% |
| MARIA ORTIZ3 | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $691 | $39 | $730 | 1.90% |
| JUAN JOSE RAMIREZ3 Filed as: JUAN RAMIREZ | 15840 SW 105TH AVENUE MIAMI, FL 33157 | AFLAC | $613 | $0 | $613 | 1.60% |
| MARTA M SASTRE3 Filed as: MARTA SASTRE | 1214 COLUMBUS BOULEVARD CORAL GABLES, FL 33134 | AFLAC | $358 | $39 | $397 | 1.03% |
| MARIANA CHRISTIN SANCHEZ-MEDINA3 Filed as: MARIANA SANCHEZ-MEDIAN | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $191 | $66 | $257 | 0.67% |
| ALFRED RIETKERK3 | 3120 NE 47TH STREET FORT LAUDERDALE, FL 33308 | AFLAC | $204 | $0 | $204 | 0.53% |
| MJ INSURANCE3 Filed as: BARRY YOUNG ENT. AND VARIOUS AGENTS | 2003 WEST CYPRESS CREEK ROAD SUITE 101 FORT LAUDERDALE, FL 33309 | AFLAC | $203 | $0 | $203 | 0.53% |
| ROBIN BELL3 | 7805 SW 71ST AVENUE MIAMI, FL 33143 | AFLAC | $717 | $0 | $717 | 3.25% |
| INGRID MARISA FARRELL3 Filed as: INGRID FARRELL | 5805 SW 96TH STREET PINECREST, FL 33156 | AFLAC | $708 | $0 | $708 | 3.21% |
| LEONAGGEO BENEFITS INC3 Filed as: LEONAGGEO BENEFITS AND OTHER AGENTS | I. E. CHESTERFIELD DRIVE BOYNTON BEACH, FL 33426 | AFLAC | $592 | $99 | $691 | 3.13% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $566 | $33 | $599 | 2.72% |
| MARIA ORTIZ3 | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $188 | $22 | $210 | 0.95% |
| CHRISTOPHER C HAYWARD3 Filed as: CHRISTOPHER HAYWARD | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $162 | $0 | $162 | 0.73% |
| TALLON AND ASSOCIATES INC3 Filed as: TALLON AND ASSOCIATES, INC. | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $129 | $0 | $129 | 0.58% |
| MJ INSURANCE3 Filed as: CYNTHIA DESOUZA AND VARIOUS AGENTS | PO BOX 303246 SAINT THOMAS, VI 00803 | AFLAC | $448 | $0 | $448 | 2.16% |
| ESPERANZA FRANCIS3 | PO BOX 1384 KINGSHILL, VI 00851 | AFLAC | $383 | $0 | $383 | 1.85% |
| LORNA BARTLETTE3 | PO BOX 9673 SAINT THOMAS, VI 00801 | AFLAC | $291 | $0 | $291 | 1.40% |
| EDWARD COX3 | 5213 FISHER STREET ZEPHYRHILLS, FL 33541 | AFLAC | $285 | $0 | $285 | 1.38% |
| AVRILL JOSEPH-DOUGLAS3 | 6517 ESTATE MANDAHL SAINT THOMAS, VI 00802 | AFLAC | $213 | $0 | $213 | 1.03% |
| DE VITA B MCKENZIE3 Filed as: DE VITA MCKENZIE | 300 EAST ESPLANADE DRIVE SUITE 1220 OXNARD, CA 93036 | AFLAC | $179 | $0 | $179 | 0.86% |
| OCIA RICHARDS GUMBS3 | 3802 GASVERKS GADE, SUITE 203 PETRAS PLAZA STREET SAINT THOMAS, VI 00802 | AFLAC | $138 | $0 | $138 | 0.67% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $435 | $5 | $440 | 3.88% |
| MARIA ORTIZ3 | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $176 | $4 | $180 | 1.59% |
| MJ INSURANCE3 Filed as: SANDRA VELAZQUEZ AND VARIOUS AGENTS | 6374 SW 22ND STREET MIAMI, FL 33155 | AFLAC | $141 | $13 | $154 | 1.36% |
| MARTA M SASTRE3 Filed as: MARTA SASTRE | 1214 COLUMBUS BOULEVARD CORAL GABLES, FL 33134 | AFLAC | $112 | $4 | $116 | 1.02% |
| MARIROSY GONZALEZ3 | 2200 SW 4TH AVENUE MIAMI, FL 33129 | AFLAC | $58 | $0 | $58 | 0.51% |
| ALFRED RIETKERK3 | 3120 NE 47TH STREET FORT LAUDERDALE, FL 33308 | AFLAC | $49 | $0 | $49 | 0.43% |
| JESUS GARCIA JR.3 | 18270 MEDITERRANEAN BOULEVARD SUITE 2507 HIALEAH, FL 33015 | AFLAC | $35 | $0 | $35 | 0.31% |
| ESPERANZA FRANCIS3 | PO BOX 1384 KINGSHILL, VI 00851 | AFLAC | $338 | $0 | $338 | 3.18% |
| EDWARD COX3 | 5213 FISHER STREET ZEPHYRHILLS, FL 33541 | AFLAC | $338 | $0 | $338 | 3.18% |
| LORNA BARTLETTE3 | PO BOX 9673 SAINT THOMAS, VI 00801 | AFLAC | $296 | $0 | $296 | 2.78% |
| DE VITA B MCKENZIE3 Filed as: DE VITA MCKENZIE | 300 EAST ESPLANADE DRIVE SUITE 1220 OXNARD, CA 93036 | AFLAC | $184 | $0 | $184 | 1.73% |
| AMBASSADOR FINANCIAL GROUP, INC.3 Filed as: AMBASSADOR FINANCIAL GROUP | 9083 ESTATE PETER RST, LOT 200 CHRISTIANSTED, VI 00820 | AFLAC | $100 | $0 | $100 | 0.94% |
| ALFRED RIETKERK3 | 3120 NE 47TH STREET FORT LAUDERDALE, FL 33308 | AFLAC | $51 | $0 | $51 | 0.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METLIFE LEGAL PLANS | $1K | $135 | $1K | 11.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | METLIFE LEGAL PLANS | $0 | $54 | $54 | 0.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $235 | $235 | 2.71% |
| FELIX VALENTIN PAGAN3 | 1204 BULEVAR SAN LUIS VILLAS DEL LAUREL 1 COTO LAUREL, PR 00780 | AFLAC | $576 | $193 | $769 | 13.77% |
| MARIA IRIZARRY GARCIA3 | 151 CALLE FEDERICO COSTAS INDUSTRIAL TRES MONJITAS, SUITE 5 SAN JUAN, PR 00918 | AFLAC | $104 | $32 | $136 | 2.44% |
| 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 | $419 | $0 | $419 | 14.99% |
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 | 4,320 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 43 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,363 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 592 | $4.8M |
| Dental(3 contracts) | HAWAII DENTAL SERVICE | 453 | $315K |
| Vision(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 592 | $4.2M |
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 3,818 | $3.7M |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 3,818 | $3.3M |
| Long-term disability(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 3,818 | $3.3M |
| Prescription drug(4 contracts, 4 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 592 | $4.8M |
| Other(13 contracts, 7 carriers) | SYMETRA LIFE INSURANCE COMPANY | 4,320 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,320 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.