| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60690 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $55K | $55K | 1.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10900 NE 8TH STREET, SUITE 750 BELLEVUE, WA 98004 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $252 | $3K | 0.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | KAISER FOUNDATION HEALTH PLAN, INC. | $26K | $0 | $26K | 3.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60690 | METLIFE LEGAL PLANS | $5K | $800 | $6K | 8.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 5420 LYDON B. JOHNSON FREEWAY SUITE 400 DALLAS, TX 75240 | METLIFE LEGAL PLANS | $0 | $230 | $230 | 0.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | METLIFE LEGAL PLANS | $0 | $63 | $63 | 0.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $165 | $165 | — |
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 | 1,550 | 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) | 1,550 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 451 | $7.5M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,550 | $3.7M |
| Vision(4 contracts, 3 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 1,205 | $7.2M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,276 | $3.6M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,276 | $3.6M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,276 | $3.6M |
| Prescription drug(5 contracts, 4 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 451 | $7.5M |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,550 | $3.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,550 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.