| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 600 HWY 169 SOUTH 12TH FL ST LOUIS PARK, MN 55426 | HORIZON HEALTHCARE SERVICES, INC. - HEALTH | $41K | — | $41K | 2.90% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 600 HWY 169 SOUTH 12TH FL ST LOUIS PARK, MN 55426 | HORIZON HEALTHCARE SERVICES, INC. - PRESCRIPTION DRUG | $13K | — | $13K | 2.62% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 600 HWY 169 SOUTH 12TH FL ST LOUIS PARK, MN 55426 | HORIZON HEALTHCARE SERVICES, INC. - DENTAL | $3K | — | $3K | 4.75% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | P.O. BOX 220748 CHARLOTTE, NC 282220748 | DEARBORN NATIONAL LIFE INSURANCE COMPANY-LIFE & ADD | $2K | $940 | $3K | 17.53% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 25 BULL STREET, 4TH FLOOR SAVANNAH, GA 31401 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA - LONG-TERM DISABILITY | $909 | $1K | $2K | 15.87% |
| WELLS FARGO INSURANCE SERVICES3 | 10 SOUTH WACKER DR FLOOR 17 CHICAGO, IL 60606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA - LONG-TERM DISABILITY | $426 | — | $426 | 3.19% |
| INTERNL PLANNING ALL LLC3 | 300 BROADACRES DRIVE STE 175 BLOOMFIELD, NJ 07003 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA - LONG-TERM DISABILITY | $18 | — | $18 | 0.13% |
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 | 192 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. - HEALTH | 174 | $1.4M |
| Dental | HORIZON HEALTHCARE SERVICES, INC. - DENTAL | 183 | $53K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY-LIFE & ADD | 192 | $15K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA - LONG-TERM DISABILITY | 79 | $13K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. - PRESCRIPTION DRUG | 174 | $503K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY-LIFE & ADD | 192 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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."
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.