| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLS FARGO INSURANCE SERVICES3 | PO BOX 823221 PHILADELPHIA, PA 19182 | HORIZON HEALTHCARE SERVICES, INC. | $37K | — | $37K | 2.79% |
| WELLS FARGO INSURANCE SERVICES3 | PO BOX 823221 PHILADELPHIA, PA 19182 | HORIZON HEALTHCARE SERVICES, INC. | $5K | — | $5K | 2.97% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $9K | $12 | $9K | 9.66% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | $7K | $12 | $7K | 12.42% |
| WELLS FARGO INSURANCE SERVICES3 | PO BOX 823221 PHILADELPHIA, PA 19182 | HORIZON HEALTHCARE SERVICES, INC. | $1K | — | $1K | 9.95% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $81 | — | $81 | 9.95% |
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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 178 | $1.3M |
| Vision | HORIZON HEALTHCARE SERVICES, INC. | 73 | $11K |
| Life insurance | AMERICAN GENERAL LIFE INSURANCE COMPANY | 184 | $88K |
| Short-term disability(3 contracts, 2 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 192 | $148K |
| Long-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 184 | $88K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 178 | $184K |
| 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.