| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE, INC. | UNKNOWN SEATTLE, WA 98104 | HAWAII MEDICAL SERVICE ASSOCIATION | $0 | $5K | $5K | 0.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | SYMETRA LIFE INSURANCE COMPANY | $525K | $180K | $704K | 13.19% |
| CONNEXION INSURANCE SOLUTIONS3 | 9725 3RD AVENUE NE, SUITE 110 SEATTLE, WA 98115 | SYMETRA LIFE INSURANCE COMPANY | $269K | $0 | $269K | 5.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | SYMETRA LIFE INSURANCE COMPANY | $11K | $0 | $11K | 0.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $97K | $0 | $97K | 19.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $8K | $8K | 1.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 603 NORTH 39TH AVENUE, SUITE 102 YAKIMA, WA 98902 | HAWAII DENTAL SERVICE | $1K | $0 | $1K | 0.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | STANDARD INSURANCE COMPANY | $42K | $7K | $49K | 34.75% |
| MJ INSURANCE3 Filed as: MARIANA MEDINA AND VARIOUS AGENTS | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $11K | $69 | $11K | 10.18% |
| EILEEN SANCHEZ MEDINA3 | 5790 SW 51ST STREET MIAMI, FL 33155 | AFLAC | $4K | $47 | $4K | 3.50% |
| BRITTANY GOODRICH3 | 6531 MAIN STREET, SUITE 104 MIAMI LAKES, FL 33014 | AFLAC | $3K | $42 | $3K | 2.58% |
| ALDA LOPEZ3 | 7400 SW 54 STREET, SUITE 300 MIAMI, FL 33155 | AFLAC | $2K | $21 | $2K | 2.24% |
| GLORIA GEORGE3 | PO BOX 502245 SAINT THOMAS, VI 00805 | AFLAC | $2K | $0 | $2K | 2.08% |
| NATALIA DURAN GUZMAN3 Filed as: NATALIA GUZMAN | 3232 CORAL WAY, SUITE 1509 MIAMI, FL 33145 | AFLAC | $2K | $47 | $2K | 2.01% |
| CLEMENT DANIEL II3 Filed as: CLEMENT DANIEL, II | PO BOX 304562 SAINT THOMAS, VI 00803 | AFLAC | $2K | $0 | $2K | 1.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, IL 98004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $0 | $16K | 18.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 736 SOUTH STONE AVENUE LA GRANGE, IL 60525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.98% |
| ALDA LOPEZ3 | 7400 SW 54 STREET, SUITE 300 MIAMI, FL 33155 | AFLAC | $4K | $0 | $4K | 5.34% |
| EILEEN SANCHEZ MEDINA3 | 5790 SW 51ST STREET MIAMI, FL 33155 | AFLAC | $4K | $62 | $4K | 5.30% |
| NATALIA DURAN GUZMAN3 Filed as: NATALIA GUZMAN | 3232 CORAL WAY, SUITE 1509 MIAMI, FL 33145 | AFLAC | $2K | $123 | $2K | 2.78% |
| ALESSANDRA SANCHEZ MEDINA3 Filed as: ALESSANDRA MEDINA AND OTHER AGENTS | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $1K | $17 | $1K | 1.52% |
| MARIA ORTIZ3 | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $721 | $0 | $721 | 1.07% |
| BRITTANY GOODRICH3 | 6531 MAIN STREET, SUITE 104 MIAMI LAKES, FL 33014 | AFLAC | $675 | $33 | $708 | 1.05% |
| MARTA M SASTRE3 Filed as: MARTA SASTRE | 1214 COLUMBUS BOULEVARD CORAL GABLES, FL 33134 | AFLAC | $391 | $0 | $391 | 0.58% |
| MJ INSURANCE3 Filed as: TOYA JACOBS AND VARIOUS AGENTS | PO BOX 27 KINGSHILL, VI 00851 | AFLAC | $6K | $19 | $6K | 9.22% |
| GLORIA GEORGE3 | PO BOX 502245 SAINT THOMAS, VI 00805 | AFLAC | $5K | $0 | $5K | 7.62% |
| CLEMENT DANIEL II3 Filed as: CLEMENT DANIEL, II | PO BOX 304562 SAINT THOMAS, VI 00803 | AFLAC | $4K | $0 | $4K | 5.65% |
| RAHIM ALMEIDA3 Filed as: RAHIM ALMEIDA ENTERPRISE, INC. | 9200 VITRACO PARK, SUITE 23 SAINT THOMAS, VI 00802 | AFLAC | $3K | $4 | $3K | 4.42% |
| DORIAN FOSTER3 | 2032 PETERS FARMS CONDO CHRISTIANSTED, VI 00820 | AFLAC | $2K | $0 | $2K | 3.73% |
| CLAVIA COLAIRE3 | PO BOX 305099 SAINT THOMAS, VI 00803 | AFLAC | $2K | $0 | $2K | 3.57% |
| STEVE LOWE3 | PO BOX 6081 SAINT THOMAS, VI 00804 | AFLAC | $2K | $0 | $2K | 3.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $1K | $14 | $1K | 2.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METLIFE LEGAL PLANS | $4K | $0 | $4K | 12.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 181 EAST 5600 SOUTH SUITE 240 SALT LAKE CITY, UT 84107 | METLIFE LEGAL PLANS | $0 | $429 | $429 | 1.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 705 TOLLGATE ROAD, SUITE B ELGIN, IL 60123 | METLIFE LEGAL PLANS | $0 | $106 | $106 | 0.37% |
| MJ INSURANCE3 Filed as: CLAVIA COLAIRE AND VARIOUS AGENTS | PO BOX 305099 SAINT THOMAS, VI 00803 | AFLAC | $2K | $0 | $2K | 9.28% |
| GLORIA GEORGE3 | PO BOX 502245 SAINT THOMAS, VI 00805 | AFLAC | $1K | $0 | $1K | 6.72% |
| RAHIM ALMEIDA3 Filed as: RAHIM ALMEIDA ENTERPRISE, INC. | 9200 VITRACO PARK, SUITE 23 SAINT THOMAS, VI 00802 | AFLAC | $859 | $0 | $859 | 4.24% |
| DORIAN FOSTER3 | 2032 PETERS FARMS CONDO CHRISTIANSTED, VI 00820 | AFLAC | $835 | $0 | $835 | 4.12% |
| CLEMENT DANIEL II3 Filed as: CLEMENT DANIEL, II | PO BOX 304562 SAINT THOMAS, VI 00803 | AFLAC | $810 | $5 | $815 | 4.02% |
| MJ INSURANCE3 Filed as: TOYA PLUNKETT-JACOBS | PO BOX 27 KINGSHILL, VI 00851 | AFLAC | $690 | $0 | $690 | 3.41% |
| KENNISHA PRINCE3 | PO BOX 11301 SAINT THOMAS, VI 00801 | AFLAC | $619 | $0 | $619 | 3.06% |
| MJ INSURANCE3 Filed as: NATALIA GUZMAN AND VARIOUS AGENTS | 3232 CORAL WAY, SUITE 1509 MIAMI, FL 33145 | AFLAC | $344 | $0 | $344 | 5.05% |
| ROBIN BELL3 | 7805 SW 71ST AVENUE MIAMI, FL 33143 | AFLAC | $214 | $0 | $214 | 3.14% |
| JOSEPH YEBER, JR.3 | 1876 SW 11TH TERRACE, SUITE 304 MIAMI, FL 33135 | AFLAC | $102 | $0 | $102 | 1.50% |
| EILEEN SANCHEZ MEDINA3 | 5790 SW 51ST STREET MIAMI, FL 33155 | AFLAC | $92 | $0 | $92 | 1.35% |
| BRITTANY GOODRICH3 | 6531 MAIN STREET, SUITE 104 MIAMI LAKES, FL 33014 | AFLAC | $92 | $0 | $92 | 1.35% |
| CHRISTINA ORTIZ3 | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $82 | $0 | $82 | 1.20% |
| NATALIA ORTIZ3 | 3530 WEST GLENCOE STREET MIAMI, FL 33133 | AFLAC | $82 | $0 | $82 | 1.20% |
| EILEEN SANCHEZ MEDINA3 | 5790 SW 51ST STREET MIAMI, FL 33155 | AFLAC | $175 | $0 | $175 | 3.55% |
| MARIA ORTIZ3 | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $82 | $0 | $82 | 1.66% |
| MARTA M SASTRE3 Filed as: MARTA SASTRE | 1214 COLUMBUS BOULEVARD CORAL GABLES, FL 33134 | AFLAC | $51 | $0 | $51 | 1.03% |
| MARIROSY GONZALEZ3 | 2200 SW 4TH AVENUE MIAMI, FL 33129 | AFLAC | $36 | $0 | $36 | 0.73% |
| ALFRED RIETKERK3 | 438 PISGAH PIKE PULASKI, TN 38478 | AFLAC | $32 | $0 | $32 | 0.65% |
| MJ INSURANCE3 Filed as: JESUS GARCIA, JR AND VARIOUS AGENTS | 18370 MEDITERRANEAN BOULEVARD SUITE 2507 HIALEAH, FL 33015 | AFLAC | $31 | $0 | $31 | 0.63% |
| SANDRA VELAZQUEZ3 | 6374 SW 22ND STREET MIAMI, FL 33155 | AFLAC | $20 | $0 | $20 | 0.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | NATIONAL UNION FIRE INS., CO. OF PITTSBURGH, PA | $531 | $0 | $531 | 15.00% |
| FELIX VALENTIN PAGAN3 | 1204 BULEVAR SAN LUIS VILLAS DEL LAUREL 1 COTO LAUREL, PR 00780 | AFLAC | $254 | $0 | $254 | 8.98% |
| BETSY BARBOSA AND ASSOCIATES, LLC3 | 31 CALLE LIMONCILLO EXT SANTA MARIA SAN JUAN, PR 00927 | AFLAC | $82 | $0 | $82 | 2.90% |
| LIFESAVERS SOLUTIONS LLC3 Filed as: LIFESAVERS SOLUTIONS, LLC | 151 CALLE FEDERICO COSTAS INDUSTRIAL TRES MONJITAS, SUITE 5 SAN JUAN, PR 00918 | AFLAC | $45 | $0 | $45 | 1.59% |
| ERICA JULIAO FERRER3 | 5821 TOWN BAY DRIVE, SUITE 534 28 CALLE LUZ O BOCA RATON, PR 33486 | AFLAC | $12 | $0 | $12 | 0.42% |
| BEATRIZ PACATEQUE MELO3 | K13 CALLE MARACAIBO URB PARK GDNS RIO PIEDRAS, PR 00926 | AFLAC | $12 | — | $12 | 0.42% |
| RAFAEL VEGA TORO3 | PO BOX 800038 COTO LAUREL, PR 00780 | AFLAC | $8 | $0 | $8 | 0.28% |
| MJ INSURANCE3 Filed as: DANALIZ M. RUIZ AND VARIOUS AGENTS | PO BOX 360192 SAN JUAN, PR 00936 | AFLAC | $3 | $0 | $3 | 0.11% |
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 | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 1,474 | $12.5M |
| Dental | HAWAII DENTAL SERVICE | 897 | $308K |
| Vision(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 1,474 | $12.4M |
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 4,263 | $5.8M |
| Short-term disability(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 4,263 | $5.4M |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 4,263 | $5.3M |
| Prescription drug(3 contracts, 3 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 1,474 | $12.5M |
| Other(14 contracts, 8 carriers) | SYMETRA LIFE INSURANCE COMPANY | 5,022 | $5.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,022 | — |
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.