| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | LOCK BOX 28852 PO BOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $672K | $108K | $780K | 15.55% |
| WILLIS TOWERS WATSON US LLC3 | LOCK BOX 28852 PO BOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $83K | — | $83K | 1.66% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS. SERV. W. | 801 S FIGUEROA STREET SUITE 800 LOS ANGELES, CA 90017 | HARTFORD LIFE AND ACCIDENT | — | -$18K | -$18K | -0.36% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | RELIASTAR LIFE INSURANCE COMPANY | $229K | — | $229K | 13.21% |
| WILLIS TOWERS WATSON US LLC3 | LOCK BOX 28852 PO BOX 28852 NEW YORK, NY 10087 | RELIASTAR LIFE INSURANCE COMPANY | $203K | — | $203K | 11.72% |
| BSC AGENCY LLC3 | 1025 ASHWORTH ROAD WEST DES MOINES, IA 502653566 | RELIASTAR LIFE INSURANCE COMPANY | — | $69K | $69K | 4.00% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF MARYLAND INC | — | GBG INSURANCE LIMITED | $54K | — | $54K | 7.89% |
| WILLIS TOWERS WATSON US LLC3 | LOCK BOX 28852 PO BOX 28852 NEW YORK, NY 10087 | ARAG INSURANCE COMPANY | $25K | — | $25K | 9.99% |
| PR HEALTH EXCHANGE CORP3 | PO BOX 34097 FT BUCHANNAN GUAYNABO, PR 00934 | MCS LIFE INSURANCE COMPANY | $10K | — | $10K | 5.94% |
| REUBEN WARNER ASSOCIATES, INC.0 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | — | $20K | $20K | 15.00% |
| WILLIS TOWERS WATSON US LLC0 | LOCK BOX 28852 PO BOX 28852 NEW YORK, NY 10087 | ZURICH AMERICAN INSURANCE COMPANY | $13K | — | $13K | 10.00% |
| REUBEN WARNER ASSOCIATES, INC.0 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | — | $9K | $9K | 15.00% |
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 | 6,010 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 963 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 189 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,307 | $6.6M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,307 | $6.3M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 1,437 | $471K |
| Life insurance(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 6,363 | $6.8M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 6,363 | $5.0M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 6,363 | $5.0M |
| Prescription drug(2 contracts, 2 carriers) | HAWAI'I MEDICAL SERVICE ASSOCIATION | 35 | $503K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,726 | $1.5M |
| Other(7 contracts, 5 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 5,034 | $3.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,363 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.