| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | SYMETRA LIFE INSURANCE COMPANY | $534K | $124K | $658K | 12.26% |
| CONNEXION INSURANCE SOLUTIONS3 | 7001 220TH STREET SW, SUITE 320 MOUNTLAKE TERRANCE, WA 98043 | SYMETRA LIFE INSURANCE COMPANY | $273K | $0 | $273K | 5.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | SYMETRA LIFE INSURANCE COMPANY | $10K | $0 | $10K | 0.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE, INC. | UNKNOWN SEATTLE, WA 98104 | HAWAII MEDICAL SERVICE ASSOCIATION | $0 | $9K | $9K | 0.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $92K | $0 | $92K | 17.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $6K | $6K | 1.23% |
| 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 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | $33K | $7K | $40K | 38.83% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $4K | $0 | $4K | 5.65% |
| NATALIA DURAN GUZMAN3 | 1945 SW 25TH TERRACE MIAMI, FL 33133 | AFLAC | $1K | $0 | $1K | 1.73% |
| MARIA C ORTIZ3 Filed as: MARIA C. ORTIZ | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $949 | $0 | $949 | 1.40% |
| BRITTANY GOODRICH3 | 10637 WEST 32ND LANE HIALEAH, FL 33018 | AFLAC | $927 | $0 | $927 | 1.37% |
| MJ INSURANCE3 Filed as: ALFRED RIETKERK AND VARIOUS AGENTS | 438 PISGAH PIKE PULASKI, TN 38478 | AFLAC | $815 | $0 | $815 | 1.20% |
| MARTA M SASTRE3 Filed as: MARTA M. SASTRE | 1214 COLUMBUS BOULEVARD CORAL GABLES, FL 33134 | AFLAC | $521 | $0 | $521 | 0.77% |
| ALDA LOPEZ3 Filed as: ALDA PATRICIA LOPEZ | 7400 SW 54 STREET, SUITE 300 MIAMI, FL 33155 | AFLAC | $333 | $0 | $333 | 0.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $0 | $13K | 20.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $1K | $12 | $1K | 3.31% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $1K | $0 | $1K | 4.91% |
| BRITTANY GOODRICH3 | 10637 WEST 32ND LANE HIALEAH, FL 33018 | AFLAC | $993 | $0 | $993 | 3.36% |
| MJ INSURANCE3 Filed as: NATALIA D GUZMAN AND VARIOUS AGENTS | 1945 SW 25TH TERRACE MIAMI, FL 33133 | AFLAC | $527 | $0 | $527 | 1.78% |
| MARIA C ORTIZ3 Filed as: MARIA C. ORTIZ | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $376 | $0 | $376 | 1.27% |
| MARIANA CHRISTIN SANCHEZ-MEDINA3 | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $248 | $0 | $248 | 0.84% |
| MARTA M SASTRE3 Filed as: MARTA M. SASTRE | 1214 COLUMBUS BOULEVARD CORAL GABLES, FL 33134 | AFLAC | $184 | $0 | $184 | 0.62% |
| ALESSANDRA SANCHEZ MEDINA3 Filed as: ALESSANDRA C. SANCHEZ MEDINA | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $184 | $0 | $184 | 0.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METLIFE LEGAL PLANS | $3K | $0 | $3K | 15.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 181 EAST 5600 SOUTH, SUITE 240 SALT LAKE CITY, UT 84107 | METLIFE LEGAL PLANS | $0 | $168 | $168 | 0.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND BOULEVARD 6TH FLOOR GLENDALE, CA 91203 | METLIFE LEGAL PLANS | $0 | $30 | $30 | 0.15% |
| RAHIM ALMEIDA3 Filed as: RAHIM ALMEIDA ENT. AND OTHER AGENTS | 9200 VITRACO PARK, SUITE 23 SAINT THOMAS, VI 00802 | AFLAC | $340 | — | $340 | 2.70% |
| ESPERANZA FRANCIS3 Filed as: ESPERANZA E. FRANCIS | PO BOX 1384 KINGSHILL, VI 00851 | AFLAC | $249 | — | $249 | 1.98% |
| MITZI JELLON CORNELIUS3 | PO BOX 2531 KINGSHILL, VI 00851 | AFLAC | $224 | — | $224 | 1.78% |
| LORNA BARTLETTE3 Filed as: LORNA A. BARTLETTE | PO BOX 9673 SAINT THOMAS, VI 00801 | AFLAC | $223 | — | $223 | 1.77% |
| EDWARD COX3 | 5213 FISHER STREET ZEPHYRHILLS, FL 33541 | AFLAC | $216 | — | $216 | 1.71% |
| DE VITA B MCKENZIE3 Filed as: DE VITA B. MCKENZIE | 1139 IROLO STREET LOS ANGELES, CA 90006 | AFLAC | $136 | — | $136 | 1.08% |
| AVRILL JOSEPH-DOUGLAS3 Filed as: AVRILL S. JOSEPH-DOUGLAS | 6517 ESTATE MANDAHL SAINT THOMAS, VI 00802 | AFLAC | $76 | — | $76 | 0.60% |
| EDWARD COX3 | 5213 FISHER STREET ZEPHYRHILLS, FL 33541 | AFLAC | $302 | $0 | $302 | 3.18% |
| ESPERANZA FRANCIS3 Filed as: ESPERANZA E. FRANCIS | PO BOX 1384 KINGSHILL, VI 00851 | AFLAC | $302 | $0 | $302 | 3.18% |
| LORNA BARTLETTE3 Filed as: LORNA A. BARTLETTE | PO BOX 9673 SAINT THOMAS, VI 00801 | AFLAC | $264 | $0 | $264 | 2.78% |
| DE VITA B MCKENZIE3 Filed as: DE VITA B. MCKENZIE | 1139 IROLO STREET LOS ANGELES, CA 90006 | AFLAC | $164 | $0 | $164 | 1.73% |
| AMBASSADOR FINANCIAL GROUP, INC.3 | 9083 ESTATE PETER, SUITE 200 CHRISTIANSTED, VI 00820 | AFLAC | $89 | $0 | $89 | 0.94% |
| ALFRED RIETKERK3 | 438 PISGAH PIKE PULASKI, TN 38478 | AFLAC | $46 | $0 | $46 | 0.48% |
| ROBIN J. BELL3 | 7805 SW 71ST AVENUE MIAMI, FL 33143 | AFLAC | $307 | $0 | $307 | 3.92% |
| MJ INSURANCE3 Filed as: MARIA C. ORTIZ AND VARIOUS AGENTS | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $114 | $0 | $114 | 1.46% |
| CHRISTOPHER C HAYWARD3 Filed as: CHRISTOPHER C. HAYWARD | 4921 BONSAI CIRCLE, SUITE 211 PALM BEACH GARDENS, FL 33418 | AFLAC | $99 | $0 | $99 | 1.27% |
| TALLON AND ASSOCIATES INC3 Filed as: TALLON AND ASSOCIATES, INC. | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $83 | $0 | $83 | 1.06% |
| LEONAGGEO BENEFITS INC3 Filed as: LEONAGGEO BENEFITS, INC. | 1 EAST CHESTERFIELD DRIVE BOYNTON BEACH, FL 33426 | AFLAC | $57 | $0 | $57 | 0.73% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $50 | $0 | $50 | 0.64% |
| HAROLD L STAFFORD3 Filed as: HAROLD L. STAFFORD | 8544 TOWNLEY ROAD, SUITE 1B HUNTERSVILLE, NC 28078 | AFLAC | $34 | $0 | $34 | 0.43% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $309 | $0 | $309 | 3.97% |
| MARIA C ORTIZ3 Filed as: MARIA C. ORTIZ | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $129 | $0 | $129 | 1.66% |
| MARTA M SASTRE3 Filed as: MARTA M. SASTRE | 1214 COLUMBUS BOULEVARD CORAL GABLES, FL 33134 | AFLAC | $81 | $0 | $81 | 1.04% |
| MJ INSURANCE3 Filed as: JESUS GARCIA, JR AND VARIOUS AGENTS | 18370 MEDITERRANEAN BOULEVARD SUITE 2507 HIALEAH, FL 33015 | AFLAC | $53 | $0 | $53 | 0.68% |
| MARIROSY GONZALEZ3 | 2200 SW 4TH AVENUE MIAMI, FL 33129 | AFLAC | $45 | $0 | $45 | 0.58% |
| ALFRED RIETKERK3 | 438 PISGAH PIKE PULASKI, TN 38478 | AFLAC | $39 | $0 | $39 | 0.50% |
| SANDRA VELAZQUEZ3 | 6374 SW 22ND STREET MIAMI, FL 33155 | AFLAC | $25 | $0 | $25 | 0.32% |
| FELIX VALENTIN PAGAN3 Filed as: FELIX L. VALENTIN PAGAN | 1204 BULEVAR SAN LUIS VILLAS DEL LAUREL 1 COTO LAUREL, PR 00780 | AFLAC | $399 | $0 | $399 | 10.04% |
| MARIA IRIZARRY GARCIA3 Filed as: MARIA D. IRIZARRY GARCIA | 151 CALLE FEDERICO COSTAS INDUSTRIAL TRES MONJITAS, SUITE 5 SAN JUAN, PR 00927 | AFLAC | $62 | $0 | $62 | 1.56% |
| BETSY BARBOSA AND ASSOCIATES, LLC3 | 31 CALLE LIMONCILLO EXT SANTA MARIA SAN JUAN, PR 00927 | AFLAC | $27 | $0 | $27 | 0.68% |
| RAFAEL VEGA TORO3 Filed as: RAFAEL I. VEGA TORO | PO BOX 800038 COTO LAUREL, PR 00780 | AFLAC | $10 | $0 | $10 | 0.25% |
| LIFESAVERS SOLUTIONS LLC3 Filed as: LIFESAVERS SOLUTIONS, LLC | 151 CALLE FEDERICO COSTAS INDUSTRIAL TRES MONJITAS, SUITE 5 SAN JUAN, PR 00918 | AFLAC | $10 | $0 | $10 | 0.25% |
| DANALIZ MARTINEZ RUIZ3 Filed as: DANALIZ M. RUIZ AND OTHER AGENTS | PO BOX 360192 SAN JUAN, PR 00936 | AFLAC | $8 | $0 | $8 | 0.20% |
| ERICA JULIAO FERRER3 | URB LEVITTOWN LAKES N8 CALLE LUZ O TOA BAJA, PR 00949 | AFLAC | $4 | $0 | $4 | 0.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $531 | $0 | $531 | 15.00% |
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 | 4,263 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 4,263 | $5.8M |
| Dental | HAWAII DENTAL SERVICE | 846 | $294K |
| Vision(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 714 | $5.7M |
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 4,263 | $5.9M |
| Short-term disability(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 4,263 | $5.4M |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 4,263 | $5.4M |
| Prescription drug(3 contracts, 3 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 714 | $5.8M |
| Other(14 contracts, 8 carriers) | SYMETRA LIFE INSURANCE COMPANY | 4,263 | $5.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,263 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.