| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: EQUITY RISK PARTNERS, INC. | 456 MONTGOMERTY STREET 16TH FLOOR SAN FRANCISCO, CA 94104 | HORIZON HEALTHCARE SERVICES, INC. | $31K | — | $31K | 4.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: EQUITY RISK PARTNERS | 456 MONTGOMERY STREET 16TH FLOOR SAN FRANCISO, CA 94104 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 3.79% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | PO BOX 2158 RIVERSIDE, CA 92516 | AETNA LIFE INSURANCE CO. | $1K | — | $1K | 1.97% |
| DONALD P LYNCH3 Filed as: DONALD P. LYNCH | 2 MARKET STREET PATERSON, NJ 07501 | WESCO INSUANCE COMPANY | $1K | — | $1K | 4.00% |
| ROBERT A SHAWAH3 Filed as: ROBERT A. SHAWAH | PO BOX 555 LINCOLN PARK, NJ 07035 | WESCO INSUANCE COMPANY | $1K | — | $1K | 3.25% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | GUARDIAN | $4K | $2K | $6K | 21.52% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 350 FIFTH AVENUE, SUITE 3700 EMPIRE STATE BUILDING NEW YORK, NY 10018 | WESCO INSURANCE COMPANY | $24 | — | $24 | — |
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 | 113 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 101 | $664K |
| Dental | AETNA LIFE INSURANCE CO. | 154 | $57K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 121 | $10K |
| Life insurance | GUARDIAN | 113 | $28K |
| Short-term disability | WESCO INSURANCE COMPANY | 5 | $0 |
| Long-term disability | GUARDIAN | 113 | $28K |
| Prescription drug(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 101 | $664K |
| Other | GUARDIAN | 113 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.