| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY INC. | 1820 E. 1ST STREET, STE. 400 SANTA ANA, CA 92705 | RELIASTAR LIFE INSURANCE COMPANY | $182K | $0 | $182K | 24.20% |
| ASSURANCE AGENCY LTD3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | RELIASTAR LIFE INSURANCE COMPANY | $167K | $0 | $167K | 22.21% |
| BENEFIT HARBOR INSURANCE SERVICES3 | 5445 LEGACY DR., STE. 250 PLANO, TX 75024 | RELIASTAR LIFE INSURANCE COMPANY | $38K | $0 | $38K | 5.00% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY INC. | 1820 E. 1ST STREET, STE. 400 SANTA ANA, CA 92705 | CONTINENTAL AMERICAN INSURANCE COMPANY | $248K | $0 | $248K | 37.56% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | CONTINENTAL AMERICAN INSURANCE COMPANY | $106K | $0 | $106K | 16.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | UNITEDHEALTHCARE INSURANCE COMPANY | $21K | $0 | $21K | 6.50% |
| BENEFIT HARBOR INSURANCE SERVICES3 | 5445 LEGACY DR., STE. 250 PLANO, TX 75024 | UNITEDHEALTHCARE INSURANCE COMPANY | $21K | $0 | $21K | 6.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $8K | $0 | $8K | 3.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LTD | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $0 | $7K | 6.52% |
| BENEFIT HARBOR INSURANCE SERVICES3 | 5445 LEGACY DR., STE. 250 PLANO, TX 75024 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $0 | $7K | 6.52% |
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 | 595 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 606 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 69 | $241K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,344 | $320K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,045 | $110K |
| Life insurance | CONTINENTAL AMERICAN INSURANCE COMPANY | 2,300 | $660K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 2,300 | $660K |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 2,300 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,300 | — |
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.