| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORIZON BENEFITS LLC3 Filed as: HORIZON AGENCY, INC. | 6500 CITY WEST PKWY #100 EDEN PRAIRIE, NC 55344 | VISION SERVICE PLAN | $2K | — | $2K | 3.88% |
| STEVEN W HASKINS3 Filed as: STEVEN HASKINS | 4192 BAY BEACH LN #8105 FORT MYERS BEACH, FL 33931 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 13.90% |
| BENEUSA LLC3 | 1581 LAKE DR W #350 CHANHASSEN, MN 55317 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 3.59% |
| TIMOTHY SWENSON3 | 1851 LAKE DRIVE W SUITE 350 CHANHASSEN, MN 55317 | SUN LIFE ASSURANCE COMPANY OF CANADA | $367 | — | $367 | 0.90% |
| STEVE HASKINS3 | 4192 BAY BEACH LANE #8105 FT MYERS BEACH, FL 33931 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 13.07% |
| BENEUSA LLC3 | 1851 LAKE DRIVE WEST SUITE 350 CHANHASSEN, MN 55317 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 3.46% |
| BENEUSA LLC3 | 1851 LAKE DR W SUITE 350 CHANHASSEN, MN 55317 | SUN LIFE ASSURANCE COMPANY OF CANADA | $502 | — | $502 | 1.29% |
| TIMOTHY SWENSON3 | 1851 LAKE DRIVE W SUITE 350 CHANHASSEN, MN 55317 | SUN LIFE ASSURANCE COMPANY OF CANADA | $348 | — | $348 | 0.90% |
| HORIZON BENEFITS LLC3 Filed as: HORIZON AGENCY INC | 6500 CITY WEST PKY #100 EDEN PRAIRIE, FL 55344 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 13.52% |
| STEVEN W HASKINS3 | 6500 CITY WEST PKWY #100 EDEN PRAIRIE, MN 55344 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $51K | — | $51K | — |
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 | 344 | 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) | 344 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 459 | $0 |
| Vision | VISION SERVICE PLAN | 217 | $45K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 344 | $41K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 137 | $39K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 344 | $39K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 459 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 459 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.