| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 300 EXECUTIVE DRIVE WEST ORANGE, NJ 07052 | HORIZON HEALTHCARE SERVICES, INC. | $31K | — | $31K | 1.96% |
| WELLS FARGO INSURANCE SERVICES3 | PO BOX 823221 PHILADELPHIA, PA 19182 | HORIZON HEALTHCARE SERVICES, INC. | $2K | — | $2K | 0.15% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 300 EXECUTIVE DRIVE WEST ORANGE, NJ 07052 | HORIZON HEALTHCARE SERVICES, INC. | $5K | — | $5K | 1.99% |
| WELLS FARGO INSURANCE SERVICES3 | PO BOX 823221 PHILADELPHIA, PA 19182 | HORIZON HEALTHCARE SERVICES, INC. | $329 | — | $329 | 0.14% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $14K | — | $14K | 16.84% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | $7K | $5K | $12K | 20.35% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA 16 STE 320 BLUE BELL, PA 19422 | GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 18.76% |
| USI INSURANCE SERVICES LLC3 | 200 SUMMIT LAKE DRIVE STE 350 VALHALLA, NY 10595 | GUARDIAN LIFE INSURANCE COMPANY | $1K | $117 | $2K | 9.22% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 333 WESTCHESTER AVE STE 102 WHITE PLAINS, NY 10604 | GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 8.45% |
| USI INSURANCE SERVICES LLC Filed as: USI INSURANCE SERVICES, LLC | 300 EXECUTIVE DRIVE WEST ORANGE, NJ 07052 | HORIZON HEALTHCARE SERVICES, INC. | $1K | — | $1K | 9.11% |
| WELLS FARGO INSURANCE SERVICES3 | PO BOX 823221 PHILADELPHIA, PA 19182 | HORIZON HEALTHCARE SERVICES, INC. | $102 | — | $102 | 0.86% |
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 | 204 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 171 | $1.6M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 194 | $17K |
| Vision | HORIZON HEALTHCARE SERVICES, INC. | 72 | $12K |
| Life insurance | AMERICAN GENERAL LIFE INSURANCE COMPANY | 188 | $85K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 204 | $145K |
| Long-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 188 | $85K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 171 | $239K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.