| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $308K | $104K | $412K | 6.64% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | RELIASTAR LIFE INSURANCE COMPANY | $1.1M | $101K | $1.2M | 24.04% |
| RINGMASTER INSURANCE AGENCY LLC3 | 5200 TOWN CENTRE CIR STE 540 BOCA RATON, FL 33486 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.02% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $26K | $26K | 1.64% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | ARAG INSURANCE COMPANY | $45K | — | $45K | 13.00% |
| WILLIS TOWERS WATSON US LLC | PO BOX 28852 NEW YORK, NY 10087 | TRUSTMARK INSURANCE COMPANY | $62K | — | $62K | 41.62% |
| J MANNING AND ASSOCIATES | 167 N GREEN ST FLOOR 4 CHICAGO, IL 60607 | TRUSTMARK INSURANCE COMPANY | $53K | — | $53K | 35.60% |
| LTCI PARTNERS LLC Filed as: LTCI PARTNERS | 14546 BROOK HOLLOW BLVD #281 SAN ANTONIO, TX 78232 | TRUSTMARK INSURANCE COMPANY | $23K | — | $23K | 15.26% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.56% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $349 | $80 | $429 | 24.10% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $384 | $80 | $464 | 26.35% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $89 | $66 | $155 | 22.24% |
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 | 11,724 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 288 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 427 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,439 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 76 | $356K |
| Vision | VISION SERVICE PLAN | 9,094 | $1.6M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 17,107 | $6.4M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 8,451 | $5.2M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 11,809 | $1.6M |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 17,107 | $11.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,107 | — |
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.