| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC. Filed as: ALLIANT INSURANCE SERVICES INC | 701 B STREET SAN DIEGO, CA 92101 | KAISER FOUNDATION HEALTH PLAN | — | $3K | $3K | 0.15% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | PO BOX 8299 PASADENA, CA 91109 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $4K | $4K | 1.91% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS TOWERS WATSON NORTHEAST | 200 LIBERTY STREET NEW YORK, NY 10281 | NATIONAL UNION FIRE INS CO | — | — | $0 | 0.00% |
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 | 12,147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 12,153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL ASSURANCE ASSOCIATION | 11 | $53K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 855 | $225K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 3,349 | $615K |
| Life insurance(3 contracts) | SECURIAN LIFE INSURANCE | 5,680 | $1.3M |
| Short-term disability(2 contracts, 2 carriers) | FIRST RELIANCE STANDARD LIFE | 755 | $75K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE | 6,253 | $618K |
| Prescription drug | HAWAII MEDICAL ASSURANCE ASSOCIATION | 11 | $53K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTH CARE INSURANCE COMPANY | 3,912 | $478K |
| Other(2 contracts, 2 carriers) | UNITED BEHAVIORAL HEALTH | 13,556 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,556 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.