| 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 | $37K | — | $37K | 2.11% |
| 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 | $0 | $13K | 2.32% |
| 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 | $2K | $0 | $2K | 4.51% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 60100 FAIRVIEW ROAD 14TH FLOOR CHARLOTTE, NC 282220748 | DEARBORN NATIONAL LIFE INSURANCE COMPANY - LIFE & ADD | $2K | $1K | $4K | 15.30% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | P.O. BOX 823237 PHILADELPHIA, PA 19182 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $953 | — | $953 | 8.14% |
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 | 177 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC - HEALTH | 162 | $1.8M |
| Dental | HORIZON HEALTHCARE SERVICES, INC - DENTAL | 170 | $52K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY - LIFE & ADD | 177 | $23K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 79 | $12K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC - PRESCRIPTION DRUG | 164 | $551K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY - LIFE & ADD | 177 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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.