| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICHARD KERSTEN4 | 458 AULIMA LOOP KAILUA, HI 96734 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.4 Filed as: GALLAGHER BENEFIT SERVICES INC | ATTN AMY WESTERBERG 650 E. CARMEL DR., STE 400 CARMEL, ID 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY | 3100 E MIRALOMA AVE, STE 240 ANAHEIM, CA 928061949 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 16.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 111 VETERANS BLVD, STE 1130 METAIRIE, LA 70005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $733 | — | $733 | 8.77% |
| EOI SERVICE COMPANY INC3 | 1820 EAST 1ST STREET SUITE 400 SANTA ANA, CA 92705 | TRANSAMERICA LIFE INSURANCE COMPANY | $89 | — | $89 | 1.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 181 EAST 5600 SOUTH SUITE 240 SALT LAKE CITY, UT 19087 | TRANSAMERICA LIFE INSURANCE COMPANY | $88 | — | $88 | 1.63% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES, LLC | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | TRANSAMERICA LIFE INSURANCE COMPANY | $75 | — | $75 | 1.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | ATTN AMY WESTERBERG 650 E CARMEL DRIVE, SUITE 400 CARMEL, ID 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $151 | $272 | $423 | 12.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | ATTN AMY WESTERBERG 650 E CARMEL DRIVE, SUITE 400 CARMEL, ID 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $101 | $101 | 3.06% |
| RICHARD I KERSTEN | 458 AULIMA LOOP KAILUA, HI 96734 | HARTFORD LIFE AND ACCIDENT | $90 | $3 | $93 | 10.37% |
| EOI SERVICE COMPANY INC Filed as: EOI SERVICE COMPANY, INC. | 1820 EAST FIRST STREET SUITE 400 SANTA ANA, CA 92705 | LEGALPLANS, USA | — | $50 | $50 | 13.02% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES | 650 E. CARMEL DR. SUITE 350 CARMEL, IN 46032 | LEGALPLANS, USA | — | $27 | $27 | 7.03% |
| US NATIONAL BENEFIT PARTNERS WEST | 99 WOOD AVE. SOUTH SUITE 501 ISELIN, NJ 08830 | LEGALPLANS, USA | — | $19 | $19 | 4.95% |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNIVERSITY HEALTH ALLIANCE | 75 | $916K |
| Dental(3 contracts, 2 carriers) | UNIVERSITY HEALTH ALLIANCE | 75 | $916K |
| Vision(3 contracts, 2 carriers) | UNIVERSITY HEALTH ALLIANCE | 75 | $916K |
| Life insurance(4 contracts, 4 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 97 | $18K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 120 | $32K |
| Prescription drug(3 contracts, 2 carriers) | UNIVERSITY HEALTH ALLIANCE | 75 | $916K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 97 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.