| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARCUS R BOLAND3 | MAUKA TOWER 737 BISHOP ST STE 1700 HONOLULU, HI 96813 | NORTHWESTERN MUTUAL | $9K | $2K | $12K | 14.99% |
| JAMESON PAUL DELGADILLO3 Filed as: JAMESON PAUL DELGADILO | MAUDA TOWER 737 BISHOP ST STE 1700 HONOLULU, HI 96813 | NORTHWESTERN MUTUAL | $927 | $333 | $1K | 1.63% |
| TOM STEWART IN SOL INC3 | ONE AMERICA PLAZA 600 W BROADWAY STE 600 SAN DIEGO, CA 92101 | NORTHWESTERN MUTUAL | — | $111 | $111 | 0.14% |
| MARCUS R BOLAND3 | MAUKA TOWER 737 BISHOP ST STE 1700 HONOLULU, HI 96813 | NORTHWESTERN MUTUAL | $5K | $1K | $7K | 14.99% |
| JAMESON PAUL DELGADILLO3 Filed as: JAMESON PAUL DELGADILO | MAUKA TOWER 737 BISHOP ST STE 1700 HONOLULU, HI 96813 | NORTHWESTERN MUTUAL | $550 | $197 | $747 | 1.63% |
| TOM STEWART IN SOL INC3 | ONE AMERICA PLAZA 600 W BROADWAY STE 600 SAN DIEGO, CA 92101 | NORTHWESTERN MUTUAL | $550 | $66 | $616 | 1.34% |
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 | 425 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 425 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | NORTHWESTERN MUTUAL | 425 | $65K |
| Long-term disability(2 contracts, 2 carriers) | NORTHWESTERN MUTUAL | 425 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 425 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.