| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING - SAN FRANCISCO | P.O. BOX 905494 CHARLOTTE, NC 28290 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $46K | $2K | $48K | 5.19% |
| LOCKTON COMPANIES, LLC3 | BOX 741738 ATLANTA, GA 30374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $38K | — | $38K | 4.15% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | P.O. BOX 741738 ATLANTA, GA 30374 | HYATT LEGAL PLANS | $2K | — | $2K | 4.99% |
| AON CONSULTING INC3 Filed as: AON CONSULTING AND INS. SVCS. | 199 FREMONT STREET, SUITE 1500 SAN FRANCISCO, CA 94105 | HYATT LEGAL PLANS | $1K | — | $1K | 3.08% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | HYATT LEGAL PLANS | $624 | — | $624 | 1.48% |
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 | 22,598 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 22,615 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 1,478 | $6.5M |
| Dental | HAWAII DENTAL SERVICE | 256 | $62K |
| Vision | VISION SERVICE PLAN | 2,560 | $179K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 23,299 | $917K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 23,299 | $917K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 23,299 | $917K |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 1,478 | $6.5M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 23,299 | $965K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 23,299 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.