| 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 | $423K | $0 | $423K | 9.92% |
| UNKNOWN3 | UNKNOWN SEATTLE, WA 98104 | SYMETRA LIFE INSURANCE COMPANY | $214K | $0 | $214K | 5.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | SYMETRA LIFE INSURANCE COMPANY | $0 | $98K | $98K | 2.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $87K | $0 | $87K | 17.47% |
| 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 | 603 NORTH 39TH AVENUE, SUITE 102 YAKIMA, WA 98902 | HAWAII DENTAL SERVICE | $1K | $0 | $1K | 0.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | STANDARD INSURANCE COMPANY | $32K | $0 | $32K | 18.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 1.38% |
| EILEEN SANCHEZ MEDINA3 | 6100 SE 44TH TERRACE MIAMI, FL 33155 | AFLAC | $4K | $93 | $4K | 5.96% |
| MARIA C ORTIZ3 Filed as: MARIA C. ORTIZ | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $1K | $59 | $1K | 1.71% |
| MARTA M SASTRE3 Filed as: MARTA M. SASTRE | 1214 COLUMBUS BOULEVARD CORAL GABLES, FL 33134 | AFLAC | $666 | $0 | $666 | 0.89% |
| MADELAINE OJEDA3 | PO BOX 126735 HIALEAH, FL 33012 | AFLAC | $390 | $88 | $478 | 0.64% |
| ALFRED RIETKERK3 | 438 PISGAH PIKE PULASKI, TN 38478 | AFLAC | $316 | $0 | $316 | 0.42% |
| MJ INSURANCE3 Filed as: JUAN C. FERLINI AND VARIOUS AGENTS | 891 MAYBERRY MILL NEW BRAUNFELS, TX 78130 | AFLAC | $107 | $0 | $107 | 0.14% |
| SUWAT ASSAWAMATIYANONT3 | 8171 HAMPTON WOOD DRIVE BOCA RATON, FL 33433 | AFLAC | $75 | $0 | $75 | 0.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $2K | $23 | $2K | 3.16% |
| EILEEN SANCHEZ MEDINA3 | 6100 SE 44TH TERRACE MIAMI, FL 33155 | AFLAC | $2K | $72 | $2K | 5.44% |
| MARIA C ORTIZ3 Filed as: MARIA C. ORTIZ | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $502 | $36 | $538 | 1.60% |
| MARTA M SASTRE3 Filed as: MARTA M. SASTRE | 1214 COLUMBUS BOULEVARD CORAL GABLES, FL 33134 | AFLAC | $248 | $0 | $248 | 0.74% |
| MARIANA CHRISTIN SANCHEZ-MEDINA3 Filed as: MARIANA C. MEDINA AND OTHER AGENTS | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $202 | $24 | $226 | 0.67% |
| ALFRED RIETKERK3 | 438 PISGAH PIKE PULASKI, TN 38478 | AFLAC | $176 | $0 | $176 | 0.52% |
| MADELAINE OJEDA3 | PO BOX 126735 HIALEAH, FL 33012 | AFLAC | $110 | $46 | $156 | 0.46% |
| BARRY YOUNG ENTERPRISES INC.3 Filed as: BARRY YOUNG ENTERPRISES | 2003 NW 62ND STREET, SUITE 101 FORT LAUDERDALE, FL 33309 | AFLAC | $54 | $0 | $54 | 0.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METLIFE LEGAL PLANS | $2K | $0 | $2K | 9.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND BOULEVARD 6TH FLOOR GLENDALE, CA 91203 | METLIFE LEGAL PLANS | $0 | $232 | $232 | 1.35% |
| ESPERANZA FRANCIS3 Filed as: ESPERANZA E. FRANCIS | PO BOX 1384 KINGSHILL, VI 00851 | AFLAC | $287 | $0 | $287 | 1.96% |
| MJ INSURANCE3 Filed as: CYNTHIA O. DESOUZA AND OTHER AGENTS | PO BOX 303246 SAINT THOMAS, VI 00803 | AFLAC | $287 | $0 | $287 | 1.96% |
| LORNA BARTLETTE3 Filed as: LORNA A. BARTLETTE | PO BOX 9673 SAINT THOMAS, VI 00801 | AFLAC | $243 | $0 | $243 | 1.66% |
| EDWARD COX3 | 5213 FISHER STREET ZEPHYRHILLS, FL 33541 | AFLAC | $236 | $0 | $236 | 1.61% |
| DE VITA B MCKENZIE3 Filed as: DE VITA B. MCKENZIE | 1139 IROLO STREET LOS ANGELES, CA 90006 | AFLAC | $149 | $0 | $149 | 1.02% |
| AVRILL JOSEPH-DOUGLAS3 Filed as: AVRILL S. JOSEPH-DOUGLAS | 6517 ESTATE MANDAHL SAINT THOMAS, VI 00802 | AFLAC | $118 | $0 | $118 | 0.81% |
| OCIA RICHARDS GUMBS3 Filed as: OCIA D. RICHARDS GUMBS | 3802 GASVERKS GADE, SUITE 203 PETRAS PLAZA STREET SAINT THOMAS, VI 00802 | AFLAC | $88 | $0 | $88 | 0.60% |
| EDWARD COX3 | 5213 FISHER STREET ZEPHYRHILLS, FL 33541 | AFLAC | $337 | $0 | $337 | 3.18% |
| ESPERANZA FRANCIS3 Filed as: ESPERANZA E. FRANCIS | PO BOX 1384 KINGSHILL, VI 00851 | AFLAC | $337 | $0 | $337 | 3.18% |
| LORNA BARTLETTE3 Filed as: LORNA A. BARTLETTE | PO BOX 9673 SAINT THOMAS, VI 00801 | AFLAC | $295 | $0 | $295 | 2.79% |
| DE VITA B MCKENZIE3 Filed as: DE VITA B. MCKENZIE | 1139 IROLO STREET LOS ANGELES, CA 90006 | AFLAC | $183 | $0 | $183 | 1.73% |
| AMBASSADOR FINANCIAL GROUP, INC.3 Filed as: AMBASSADOR FINANCIAL GROUP INC. | 9083 ESTATE PETER RST, 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% |
| ROBIN J. BELL3 | 7805 SW 71ST AVENUE MIAMI, FL 33143 | AFLAC | $409 | $0 | $409 | 4.03% |
| SYLVIA ROSSI-MONTERO3 Filed as: SYLVIA R. MONTERO AND OTHER AGENTS | 3109 GRAND AVENUE, SUITE 412 COCONUT GROVE, FL 33133 | AFLAC | $148 | $0 | $148 | 1.46% |
| CHRISTOPHER C HAYWARD3 Filed as: CHRISTOPHER C. HAYWARD | 4921 BONSAI CIRCLE APARTMENT 211 PALM BEACH GARDENS, FL 33418 | AFLAC | $129 | $0 | $129 | 1.27% |
| TALLON AND ASSOCIATES INC3 Filed as: TALLON AND ASSOCIATES INC. | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $99 | $0 | $99 | 0.97% |
| LEONAGGEO BENEFITS INC3 Filed as: LEONAGGEO BENEFITS INC. | 1 EAST CHESTERFIELD DRIVE BOYNTON BEACH, FL 33426 | AFLAC | $66 | $0 | $66 | 0.65% |
| EILEEN SANCHEZ MEDINA3 | 6100 SE 44TH TERRACE MIAMI, FL 33155 | AFLAC | $53 | $0 | $53 | 0.52% |
| HAROLD L STAFFORD3 Filed as: HAROLD L. STAFFORD | 8544 TOWNLEY ROAD APARTMENT 1B HUNTERVILLE, NC 28078 | AFLAC | $42 | $0 | $42 | 0.41% |
| EILEEN SANCHEZ MEDINA3 | 6100 SE 44TH TERRACE MIAMI, FL 33155 | AFLAC | $378 | $0 | $378 | 4.07% |
| MARIA C ORTIZ3 Filed as: MARIA C. ORTIZ | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $158 | $0 | $158 | 1.70% |
| MARTA M SASTRE3 Filed as: MARTA M. SASTRE | 1214 COLUMBUS BOULEVARD CORAL GABLES, FL 33134 | AFLAC | $99 | $0 | $99 | 1.06% |
| SANDRA VELAZQUEZ AND OTHER AGENTS3 | 6374 SW 22ND STREET MIAMI, FL 33135 | AFLAC | $66 | $0 | $66 | 0.71% |
| MARIROSY GONZALEZ3 | 2200 SW 4TH AVENUE MIAMI, FL 33129 | AFLAC | $49 | $0 | $49 | 0.53% |
| ALFRED RIETKERK3 | 438 PISGAH PIKE PULASKI, TN 38478 | AFLAC | $48 | $0 | $48 | 0.52% |
| JESUS GARCIA JR.3 | 18370 MEDITERRANEAN BOULEVARD APARTMENT 2507 HIALEAH, FL 33015 | AFLAC | $35 | $0 | $35 | 0.38% |
| FELIX VALENTIN PAGAN3 Filed as: FELIX L. VALENTIN PAGAN | 1204 BULEVAR SAN LUIS VILLAS DEL LAUREL 1 COTO LAUREL, PR 00780 | AFLAC | $538 | $0 | $538 | 10.41% |
| MARIA IRIZARRY GARCIA3 Filed as: MARIA D. IRIZARRY GARCIA | 151 CALLE FEDERICO COSTAS INDUSTRIAL TRES MONJITAS, SUITE 5 SAN JUAN, PR 00918 | AFLAC | $98 | $0 | $98 | 1.90% |
| RAFAEL VEGA TORO3 Filed as: RAFAEL I. VEGA TORO | PO BOX 800038 COTO LAUREL, PR 00780 | AFLAC | $12 | $0 | $12 | 0.23% |
| DANALIZ MARTINEZ RUIZ3 | PO BOX 360192 SAN JUAN, PR 00936 | AFLAC | $4 | $0 | $4 | 0.08% |
| 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 | 4,286 | 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) | 4,340 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 4,286 | $5.6M |
| Dental | HAWAII DENTAL SERVICE | 783 | $277K |
| Vision(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 615 | $5.2M |
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 3,023 | $4.8M |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 3,023 | $4.3M |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 3,023 | $4.3M |
| Prescription drug(4 contracts, 4 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 615 | $5.6M |
| Other(14 contracts, 8 carriers) | SYMETRA LIFE INSURANCE COMPANY | 7,135 | $4.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,135 | — |
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.