| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | RELIASTAR LIFE INSURANCE COMPANY | $28K | $0 | $28K | 2.92% |
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQUARE SUITE 600 LA JOLLA, CA 92037 | RELIASTAR LIFE INSURANCE COMPANY | $24K | $0 | $24K | 2.54% |
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQUARE SUITE 600 LA JOLLA, CA 92037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $8K | $8K | 7.09% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | UNKNOWN CHICAGO, IL 60606 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $375 | $375 | 0.34% |
| LOCKTON COMPANIES, LLC3 | UNKNOWN SAN DIEGO, CA 92122 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $28 | $0 | $28 | 0.03% |
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 | 1,583 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,583 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL SERVICE ASSOCIATION | 3 | $15K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 699 | $127K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 1,583 | $947K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,583 | $947K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,583 | $947K |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCIATION | 3 | $15K |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,583 | $947K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,583 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.