| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 62939 VIRGINIA BEACH, VA 23466 | HORIZON HEALTHCARE SERVICES, INC. | $171K | $0 | $171K | 4.85% |
| USI INSURANCE SERVICES LLC3 | 600 THIRD AVENUE, 3RD FLOOR NEW YORK, NY 10016 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23K | $6K | $28K | 9.27% |
| MS BENEFITS3 | 100 CHALLENGER ROAD, SUITE 400 RIDGEFIELD PARK, NJ 07660 | ALLSTATE INSURANCE COMPANY | $14K | $0 | $14K | 21.63% |
| MS BENEFITS3 | 100 CHALLENGER ROAD, SUITE 400 RIDGEFIELD PARK, NJ 07660 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | $0 | $9K | 32.59% |
| MS BENEFITS3 | 100 CHALLENGER ROAD, SUITE 400 RIDGEFIELD PARK, NJ 07660 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 24.66% |
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 | 230 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 229 | $3.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 318 | $307K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 318 | $307K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 318 | $307K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 318 | $307K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 229 | $3.5M |
| Other(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 318 | $412K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 318 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.