| 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 | $348K | $0 | $348K | 10.02% |
| CONNEXION INSURANCE SOLUTIONS3 | 7001 220TH STREET SW MOUNTLAKE TERRACE, WA 98043 | SYMETRA LIFE INSURANCE COMPANY | $255K | $0 | $255K | 7.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | SYMETRA LIFE INSURANCE COMPANY | $0 | $80K | $80K | 2.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $3K | $0 | $3K | 0.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $75K | $0 | $75K | 17.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $5K | $5K | 1.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 603 NORTH 39TH AVENUE, SUITE 102 YAKIMA, WA 98902 | HAWAII DENTAL SERVICE | $1K | $0 | $1K | 0.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $3K | $23 | $3K | 3.01% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $5K | $19 | $5K | 6.73% |
| MADELAINE OJEDA3 | PO BOX 126735 HIALEAH, FL 33012 | AFLAC | $3K | $18 | $3K | 3.46% |
| MARIA ORTIZ3 | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $2K | $8 | $2K | 2.01% |
| MARTA M SASTRE3 Filed as: MARTA SASTRE | 1214 COLUBUS BOULEVARD CORAL GABLES, FL 33134 | AFLAC | $702 | $0 | $702 | 0.88% |
| ALFRED RIETKERK3 | 438 PISGAH PIKE PULASKI, TN 38478 | AFLAC | $332 | $0 | $332 | 0.42% |
| JUAN C FERLINI3 Filed as: JUAN FERLINI AND OTHER AGENTS | 2984 SUNSET SUMMIT NEW BRAUNFELS, TX 78130 | AFLAC | $137 | $27 | $164 | 0.21% |
| SUWAT ASSAWAMATIYANONT3 | 8171 HAMPTON WOOD DRIVE BOCA RATON, FL 33433 | AFLAC | $79 | $0 | $79 | 0.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | STANDARD INSURANCE COMPANY | $9K | $813 | $10K | 15.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | $0 | $1K | $1K | 2.20% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $2K | $52 | $3K | 6.58% |
| MADELAINE OJEDA3 | PO BOX 126735 HIALEAH, FL 33012 | AFLAC | $944 | $9 | $953 | 2.49% |
| MARIA ORTIZ3 | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $737 | $21 | $758 | 1.98% |
| BARRY YOUNG3 Filed as: BARRY YOUNG ENT. AND OTHER AGENTS | 2003 NW 62ND STREET, SUITE 101 FORT LAUDERDALE, FL 33309 | AFLAC | $270 | $73 | $343 | 0.90% |
| MARIANA CHRISTIN SANCHEZ-MEDINA3 Filed as: MARIANA SANCHEZ-MEDINA | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $304 | $0 | $304 | 0.80% |
| MARTA M SASTRE3 Filed as: MARTA SASTRE | 1214 COLUMBUS BOULEVARD CORAL GABLES, FL 33134 | AFLAC | $288 | $0 | $288 | 0.75% |
| ALFRED RIETKERK3 | 438 PISGAH PIKE PULASKI, TN 38478 | AFLAC | $195 | $0 | $195 | 0.51% |
| ESPERANZA FRANCIS3 | PO BOX 1384 KINGSHILL, VI 00851 | AFLAC | $360 | $0 | $360 | 2.04% |
| AMBASSADOR FINANCIAL GROUP, INC.3 Filed as: AMBASSADOR FIN GRP AND OTHER AGENTS | 9083 ESTATE PETER REST LOT 200 CHRISTIANSTED, VI 00820 | AFLAC | $348 | $0 | $348 | 1.98% |
| LORNA BARTLETTE3 | PO BOX 9673 SAINT THOMAS, VI 00801 | AFLAC | $276 | $0 | $276 | 1.57% |
| EDWARD COX3 | 5213 FISHER STREET ZEPHYRHILLS, FL 33541 | AFLAC | $270 | $0 | $270 | 1.53% |
| DE VITA B MCKENZIE3 Filed as: DE VITA MCKENZIE | 300 EAST ESPLANADE DRIVE SUITE 1220 OXNARD, CA 93036 | AFLAC | $170 | $0 | $170 | 0.97% |
| AVRILL JOSEPH-DOUGLAS3 | 6517 ESTATE MANDAHL SAINT THOMAS, VI 00802 | AFLAC | $143 | $0 | $143 | 0.81% |
| OCIA RICHARDS GUMBS3 | 3802 GASVERKS GADE, SUITE 203 PETRAS PLAZA STREET SAINT THOMAS, VI 00802 | AFLAC | $96 | $0 | $96 | 0.55% |
| ROBIN BELL3 | 7805 SW 71ST AVENUE MIAMI, FL 33143 | AFLAC | $472 | $0 | $472 | 3.22% |
| MARIA ORTIZ3 Filed as: MARIA ORTIZ AND OTHER AGENTS | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $265 | $35 | $300 | 2.05% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $176 | $60 | $236 | 1.61% |
| CHRISTOPHER C HAYWARD3 Filed as: CHRISTOPHER HAYWARD | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $153 | $0 | $153 | 1.04% |
| INGRID MARISA FARRELL3 Filed as: INGRID FARRELL | 5805 SW 96TH STREET PINECREST, FL 33156 | AFLAC | $97 | $41 | $138 | 0.94% |
| TALLON AND ASSOCIATES INC3 Filed as: TALLON AND ASSOCIATES, INC. | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $113 | $0 | $113 | 0.77% |
| LEONAGGEO BENEFITS INC3 Filed as: LEONAGGEO BENEFITS, INC. | 1 EAST CHESTERFIELD DRIVE BOYNTON BEACH, FL 33426 | AFLAC | $71 | $0 | $71 | 0.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METLIFE LEGAL PLANS | $1K | $0 | $1K | 9.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND BOULEVARD 6TH FLOOR GLENDALE, CA 91203 | METLIFE LEGAL PLANS | $0 | $161 | $161 | 1.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | METLIFE LEGAL PLANS | $0 | $41 | $41 | 0.35% |
| ESPERANZA FRANCIS3 | PO BOX 1384 KINGSHILL, VI 00851 | AFLAC | $337 | $0 | $337 | 3.18% |
| EDWARD COX3 | 5213 FISHER STREET ZEPHYRHILLS, FL 33541 | AFLAC | $337 | $0 | $337 | 3.18% |
| LORNA BARTLETTE3 | PO BOX 9673 SAIN THOMAS, VI 00801 | AFLAC | $295 | $0 | $295 | 2.79% |
| DE VITA B MCKENZIE3 Filed as: DE VITA MCKENZIE | 300 EAST ESPLANADE DRIVE SUITE 1220 OXNARD, CA 93036 | AFLAC | $183 | $0 | $183 | 1.73% |
| AMBASSADOR FINANCIAL GROUP, INC.3 | 9083 ESTATE PETER REST LOT 200 CHRISTIANSTED, VI 00820 | AFLAC | $100 | $0 | $100 | 0.94% |
| ALFRED RIETKERK3 | 438 PISGAH PIKE PULASKI, TN 38478 | AFLAC | $51 | $0 | $51 | 0.48% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $380 | $0 | $380 | 3.88% |
| MARIA ORTIZ3 | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $158 | $0 | $158 | 1.61% |
| SANDRA VELAZQUEZ AND OTHER AGENTS3 | 6374 SW 22ND STREET MIAMI, FL 33155 | AFLAC | $101 | $0 | $101 | 1.03% |
| MARTA M SASTRE3 Filed as: MARTA SASTRE | 1214 COLUMBUS BOULEVARD CORAL GABLES, FL 33134 | AFLAC | $100 | $0 | $100 | 1.02% |
| MARIROSY GONZALEZ3 | 2200 SW 4TH AVENUE MIAMI, FL 33129 | AFLAC | $49 | $0 | $49 | 0.50% |
| ALFRED RIETKERK3 | 438 PISGAH PIKE PULASKI, TN 38478 | AFLAC | $48 | $0 | $48 | 0.49% |
| JESUS GARCIA JR.3 | 18370 MEDITERRANEAN BOULEVARD APARTMENT 2507 HIALEAH, FL 33015 | AFLAC | $35 | $0 | $35 | 0.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $567 | $567 | 5.89% |
| FELIX VALENTIN PAGAN3 Filed as: FELIX L. VALENTIN PAGAN | 1204 BULEVAR SAN LUIS VILLAS DEL LAUREL 1 COTO LAUREL, PR 00780 | AFLAC | $504 | $0 | $504 | 10.34% |
| MARIA IRIZARRY GARCIA3 Filed as: MARIA D. IRIZARRY GARCIA | 151 CALLE FEDERICO COSTAS INDUSTRIAL TRES MONJITAS, SUITE 5 SAN JUAN, PR 00918 | AFLAC | $91 | $0 | $91 | 1.87% |
| RAFAEL VEGA TORO3 Filed as: RAFAEL I VEGA TORO | PO BOX 800038 COTO LAUREL, PR 00780 | AFLAC | $13 | $0 | $13 | 0.27% |
| DANALIZ MARTINEZ RUIZ3 | PO BOX 360192 SAN JUAN, PR 00936 | AFLAC | $6 | $0 | $6 | 0.12% |
| MIGUEL NUNEZ COLON3 Filed as: MIGUEL A. NUNEZ COLON | 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 | 4,214 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 50 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 4,214 | $4.7M |
| Dental | HAWAII DENTAL SERVICE | 818 | $243K |
| Vision(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 640 | $4.1M |
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 3,799 | $3.9M |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 3,799 | $3.5M |
| Long-term disability(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 3,799 | $3.5M |
| Prescription drug(4 contracts, 4 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 640 | $4.7M |
| Other(14 contracts, 8 carriers) | SYMETRA LIFE INSURANCE COMPANY | 6,487 | $3.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,487 | — |
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.