| 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 | $479K | $0 | $479K | 10.02% |
| CONNEXION INSURANCE SOLUTIONS3 | 7001 220TH STREET SW MOUNTLAKE TERRACE, WA 98043 | SYMETRA LIFE INSURANCE COMPANY | $239K | $0 | $239K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | SYMETRA LIFE INSURANCE COMPANY | $0 | $54K | $54K | 1.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $94K | $0 | $94K | 17.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $7K | $7K | 1.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 603 NORTH 39TH AVENUE, SUITE 102 YAKIMA, WA 98902 | HAWAII DENTAL SERVICE | $1K | $0 | $1K | 0.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | STANDARD INSURANCE COMPANY | $37K | $2K | $40K | 20.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | $0 | $5K | $5K | 2.36% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $5K | $0 | $5K | 6.12% |
| MARIA ORTIZ3 | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $1K | $0 | $1K | 1.71% |
| MARTA M SASTRE3 Filed as: MARTA SASTRE | 1214 COLUMBUS BOULEVARD CORAL GABLES, FL 33134 | AFLAC | $727 | $0 | $727 | 0.95% |
| ALFRED RIETKERK3 | 438 PISGAH PIKE PULASKI, TN 38478 | AFLAC | $340 | $0 | $340 | 0.44% |
| MJ INSURANCE3 Filed as: INGRID FARRELL AND VARIOUS AGENTS | 5805 SW 96TH STREET PINECREST, FL 33156 | AFLAC | $215 | $0 | $215 | 0.28% |
| MARIANA CHRISTIN SANCHEZ-MEDINA3 Filed as: MARIANA SANCHEZ-MEDINA | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $106 | $0 | $106 | 0.14% |
| SUWAT ASSAWAMATIYANONT3 | 8171 HAMPTON WOOD DRIVE BOCA RATON, FL 33433 | AFLAC | $80 | $0 | $80 | 0.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $1K | $17 | $1K | 3.04% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $2K | $0 | $2K | 5.50% |
| MARIA ORTIZ3 | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $509 | $0 | $509 | 1.59% |
| MARTA M SASTRE3 Filed as: MARTA SASTRE | 1214 COLUMBUS BOULEVARD CORAL GABLES, FL 33134 | AFLAC | $252 | $0 | $252 | 0.79% |
| MJ INSURANCE3 Filed as: KENDALL HUDSON AND VARIOUS AGENTS | 1645 PALM BEACH LAKES BOULEVARD SUITE 1200 WEST PALM BEACH, FL 33401 | AFLAC | $202 | $0 | $202 | 0.63% |
| ALFRED RIETKERK3 | 438 PISGAH PIKE PULASKI, TN 38478 | AFLAC | $166 | $0 | $166 | 0.52% |
| MARIANA CHRISTIN SANCHEZ-MEDINA3 Filed as: MARIANA SANCHEZ-MEDINA | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $117 | $0 | $117 | 0.36% |
| BARRY YOUNG3 | 2003 NW 62ND STREET, SUITE 101 FORT LAUDERDALE, FL 33309 | AFLAC | $63 | $0 | $63 | 0.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METLIFE LEGAL PLANS | $2K | $0 | $2K | 8.77% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METLIFE LEGAL PLANS | $498 | $0 | $498 | 2.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND BOULEVARD 6TH FLOOR GLENDALE, CA 91203 | METLIFE LEGAL PLANS | $0 | $267 | $267 | 1.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | METLIFE LEGAL PLANS | $0 | $63 | $63 | 0.32% |
| ESPERANZA FRANCIS3 | PO BOX 1384 KINGSHILL, VI 00851 | AFLAC | $300 | $0 | $300 | 2.02% |
| MJ INSURANCE3 Filed as: CYNTHIA DESOUZA AND VARIOUS AGENTS | PO BOX 303246 SAINT THOMAS, VI 00803 | AFLAC | $297 | $0 | $297 | 2.00% |
| LORNA BARTLETTE3 | PO BOX 9673 SAINT THOMAS, VI 00801 | AFLAC | $263 | $0 | $263 | 1.77% |
| EDWARD COX3 | 5213 FISHER STREET ZEPHYRHILLS, FL 33541 | AFLAC | $255 | $0 | $255 | 1.71% |
| DE VITA B MCKENZIE3 Filed as: DE VITA MCKENZIE | 1130 IROLO STREET LOS ANGELES, CA 90006 | AFLAC | $161 | $0 | $161 | 1.08% |
| AVRILL JOSEPH-DOUGLAS3 | 6517 ESTATE MANDAHL SAINT THOMAS, VI 00802 | AFLAC | $105 | $0 | $105 | 0.71% |
| OCIA RICHARDS GUMBS3 | 3802 GASVERKS GADE SUITE 203 PETRAS PLAZA STREET SAINT THOMAS, VI 00802 | AFLAC | $85 | $0 | $85 | 0.57% |
| ESPERANZA FRANCIS3 | PO BOX 1384 KINGSHILL, VI 00851 | AFLAC | $393 | $0 | $393 | 3.43% |
| EDWARD COX3 | 5213 FISHER STREET ZEPHYRHILLS, FL 33541 | AFLAC | $393 | $0 | $393 | 3.43% |
| LORNA BARTLETTE3 | PO BOX 9673 SAINT THOMAS, VI 00801 | AFLAC | $344 | $0 | $344 | 3.00% |
| DE VITA B MCKENZIE3 Filed as: DE VITA MCKENZIE | 1130 IROLO STREET LOS ANGELES, CA 90006 | AFLAC | $214 | $0 | $214 | 1.87% |
| AMBASSADOR FINANCIAL GROUP, INC.3 | 9083 ESTATE PETER RST, LOT 200 CHRISTIANSTED, VI 00820 | AFLAC | $116 | $0 | $116 | 1.01% |
| ALFRED RIETKERK3 | 438 PISGAH PIKE PULASKI, TN 38478 | AFLAC | $59 | $0 | $59 | 0.51% |
| ROBIN BELL3 | 7805 SW 71ST AVENUE MIAMI, FL 33143 | AFLAC | $415 | $0 | $415 | 4.15% |
| SYLVIA ROSSI-MONTERO3 Filed as: SYLVIA ROSSI-MONTERO & OTHER AGENTS | 3109 GRAND AVENUE, SUITE 412 COCONUT GROVE, FL 33133 | AFLAC | $145 | $0 | $145 | 1.45% |
| CHRISTOPHER C HAYWARD3 Filed as: CHRISTOPHER HAYWARD | 4921 BONSAI CIRCLE, APARTMENT 211 PALM BEACH GARDENS, FL 33418 | AFLAC | $135 | $0 | $135 | 1.35% |
| TALLON AND ASSOCIATES INC3 Filed as: TALLON AND ASSOCIATES, INC. | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $103 | $0 | $103 | 1.03% |
| LEONAGGEO BENEFITS INC3 Filed as: LEONAGGEO BENEFITS, INC. | 1 EAST CHESTERFIELD DRIVE BOYNTON BEACH, FL 33426 | AFLAC | $66 | $0 | $66 | 0.66% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $50 | $0 | $50 | 0.50% |
| HAROLD L STAFFORD3 Filed as: HAROLD STAFFORD | 8544 TOWNLEY ROAD, APARTMENT 1B HUNTERSVILLE, NC 28078 | AFLAC | $43 | $0 | $43 | 0.43% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $422 | $0 | $422 | 4.34% |
| MARIA ORTIZ3 | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $175 | $0 | $175 | 1.80% |
| MARTA M SASTRE3 Filed as: MARTA SASTRE | 1214 COLUMBUS BOULEVARD CORAL GABLES, FL 33134 | AFLAC | $110 | $0 | $110 | 1.13% |
| MJ INSURANCE3 Filed as: SANDRA VELAZQUEZ AND VARIOUS AGENTS | 6374 SW 22ND STREET MIAMI, FL 33155 | AFLAC | $76 | $0 | $76 | 0.78% |
| MARIROSY GONZALEZ3 | 2200 SW 4TH AVENUE MIAMI, FL 33129 | AFLAC | $57 | $0 | $57 | 0.59% |
| ALFRED RIETKERK3 | 438 PISGAH PIKE PULASKI, TN 38478 | AFLAC | $52 | $0 | $52 | 0.53% |
| JESUS GARCIA JR.3 Filed as: JESUS GARCIA, JR. | 18370 MEDITERRANEAN BOULEVARD APARTMENT 2507 HIALEAH, FL 33015 | AFLAC | $33 | $0 | $33 | 0.34% |
| FELIX VALENTIN PAGAN3 | 1204 BULEVAR SAN LUIS VILLAS DEL LAUREL 1 COTO LAUREL, PR 00780 | AFLAC | $533 | $0 | $533 | 11.25% |
| MARIA IRIZARRY GARCIA3 | 151 CALLE FEDERICO COSTAS INDUSTRIAL TRES MONJITAS, SUITE 5 SAN JUAN, PR 00918 | AFLAC | $96 | $0 | $96 | 2.03% |
| RAFAEL VEGA TORO3 | PO BOX 800038 COTO LAUREL, PR 00780 | AFLAC | $11 | $0 | $11 | 0.23% |
| DANALIZ MARTINEZ RUIZ3 | PO BOX 360192 SAN JUAN, PR 00936 | AFLAC | $4 | $0 | $4 | 0.08% |
| 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 | 4,862 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,862 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 3,710 | $4.7M |
| Dental | HAWAII DENTAL SERVICE | 830 | $289K |
| Vision(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 705 | $4.4M |
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 3,710 | $5.3M |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 3,710 | $4.8M |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 3,710 | $4.8M |
| Prescription drug(4 contracts, 4 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 705 | $4.7M |
| Other(14 contracts, 8 carriers) | SYMETRA LIFE INSURANCE COMPANY | 5,364 | $5.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,364 | — |
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.