| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE WILSHIRE GROUP LLC3 Filed as: WILSHIRE GROUP LLC | 2035 LINCOLN HIGHWAY, SUITE 1080 EDISON, NJ 08817 | HORIZON HEALTHCARE SERVICES, INC. | $74K | — | $74K | 4.00% |
| THE WILSHIRE GROUP LLC3 Filed as: WILSHIRE GROUP LLC | 2035 LINCOLN HIGHWAY, SUITE 1080 EDISON, NJ 08817 | SUN LIFE ASSURANCE COMPANY OF CANADA | $17K | — | $17K | 10.00% |
| MEDICAL GROUP INSURANCE SERVICES5 Filed as: MEDICAL GROUP INS. SERVICES | 1849 WEST NORTH TEMPLE SALT LAKE CITY, UT 84116 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $180 | $180 | 0.11% |
| RALPH SPAGNUOLA GROUP CONSULTING3 | 2035 LINCOLN HIGHWAY, SUITE 1080 EDISON, NJ 08817 | SUN LIFE ASSURANCE COMPANY OF CANADA | -$108 | — | -$108 | -0.07% |
| THE WILSHIRE GROUP LLC3 Filed as: WILSHIRE GROUP LLC | 2035 LINCOLN HIGHWAY, SUITE 1080 EDISON, NJ 08817 | INTERNATIONAL HEALTHCARE SERVICES | $2K | — | $2K | 4.15% |
| GROUP CONSULTING, INC.3 | 286 MADISON AVENUE, SUITE 200 NEW YORK, NY 10017 | INTERNATIONAL HEALTHCARE SERVICES | $414 | — | $414 | 0.88% |
| THE WILSHIRE GROUP LLC3 Filed as: WILSHIRE GROUP LLC | 2035 LINCOLN HIGHWAY, SUITE 1080 EDISON, NJ 08817 | UNION SECURITY INSURANCE COMPANY | $3K | $432 | $4K | 21.45% |
| THE WILSHIRE GROUP LLC3 Filed as: WILSHIRE GROUP LLC | 2035 LINCOLN HIGHWAY, SUITE 1080 EDISON, NJ 08817 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 20.22% |
| THE WILSHIRE GROUP LLC3 Filed as: WILSHIRE GROUP LLC | 2035 LINCOLN HIGHWAY, SUITE 1080 EDISON, NJ 08817 | UNION SECURITY INSURANCE COMPANY | $3K | $321 | $3K | 23.11% |
| THE WILSHIRE GROUP LLC3 Filed as: WILSHIRE GROUP LLC | 2035 LINCOLN HIGHWAY, SUITE 1080 EDISON, NJ 08817 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 20.46% |
| THE WILSHIRE GROUP LLC3 Filed as: WILSHIRE GROUP LLC | 2035 LINCOLN HIGHWAY, SUITE 1080 EDISON, NJ 08817 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 20.45% |
| BOLLINGER INC3 Filed as: BOLLINGER INC. | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $694 | $278 | $972 | 21.11% |
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 | 178 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 150 | $1.9M |
| Dental | INTERNATIONAL HEALTHCARE SERVICES | 72 | $47K |
| Life insurance(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 178 | $184K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 37 | $14K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 178 | $184K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 150 | $1.9M |
| Other(5 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 178 | $200K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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."
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.
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.