| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INC | 700 BISHOP ST STE 1400 HONOLULU, HI 968134116 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $12K | $39K | 5.28% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 1585 KAPIOLANI BLVD STE 1215 HONOLULU, HI 968144544 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $30 | $9K | 1.22% |
| STRATEGIC NON-MEDICAL SOLUTION3 | STE 17100 ONE BEACON ST BOSTON, MA 02108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $51K | — | $51K | 8.95% |
| MOLENAAR, DAVID A3 | 1188 BISHOP STREET SUITE 1708 HONOLULU, HI 96813 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $28K | — | $28K | 4.82% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INC | 700 BISHOP STREET SUITE 1400 HONOLULU, HI 968134116 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $7K | $16K | 2.98% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 1585 KAPIOLANI BLVD STE 1215 HONOLULU, HI 968144544 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $99 | $3K | 0.59% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE AGENCY OF V | 11220 ASSET LOOP SUITE 304 MANASSAS, VA 20109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $31 | $31 | — |
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 | 2,575 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,604 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 5,247 | $35.8M |
| Dental | HAWAII DENTAL SERVICE | 6,486 | $2.1M |
| Vision | VISION SERVICE PLAN | 2,378 | $367K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 4,207 | $736K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,509 | $526K |
| Prescription drug(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 5,247 | $35.8M |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,207 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,486 | — |
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.