| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARCUS R BOLAND3 | MAUKA TOWER 737 BISHOP ST STE 1700 HONOLULU, HI 96813 | NORTHERN MUTUAL | $13K | $3K | $17K | 15.06% |
| JAMESON PAUL DELGADILLO3 Filed as: JAMESON PAUL DELGADILO | MAUKA TOWER 737 BISHOP ST STE 1700 HONOLULU, HI 96813 | NORTHERN MUTUAL | $1K | $479 | $2K | 1.63% |
| TOM STEWART IN SOL INC3 | ONE AMERICA PLAZA 600 W BROADWAY STE 600 SAN DIEGO, CA 92101 | NORTHERN MUTUAL | $1K | $160 | $1K | 1.34% |
| MARCUS R BOLAND3 | MAUKA TOWER 737 BISHOP ST STE 1700 HONOLULU, HI 96813 | NORTHWESTERN MUTUAL | $8K | $3K | $11K | 16.63% |
| JAMESON PAUL DELGADILLO3 | MAUKA TOWER 737 BISHOP ST STE 1700 HONOLULU, HI 96813 | NORTHWESTERN MUTUAL | $792 | $284 | $1K | 1.63% |
| TOM STEWART IN SOL INC3 | ONE AMERICAN PLAZA 600 W BROADWAY STE 600 SAN DIEGO, CA 92101 | NORTHWESTERN MUTUAL | $792 | $95 | $887 | 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 | 454 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 454 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | NORTHWESTERN MUTUAL | 454 | $66K |
| Long-term disability | NORTHERN MUTUAL | 454 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 454 | — |
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.