| 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. | $82K | — | $82K | 4.00% |
| THE WILSHIRE GROUP LLC3 Filed as: THE WILSHIRE GROUP | 2035 LINCOLN HIGHWAY, SUITE 1080 EDISON, NJ 08817 | SUN LIFE ASSURANCE COMPANY OF CANADA | $16K | — | $16K | 10.00% |
| MGIS5 | 10 WEST BROADWAY, SUITE 800 SALT LAKE CITY, UT 84101 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $180 | $180 | 0.12% |
| THE WILSHIRE GROUP LLC3 Filed as: WILSHIRE GROUP LLC | 2035 LINCOLN HWY., SUITE 1080 EDISON, NJ 08817 | UNION SECURITY INSURANCE COMPANY | $10K | — | $10K | 7.71% |
| THE WILSHIRE GROUP LLC3 Filed as: WILSHIRE GROUP LLC | 2035 LINCOLN HIGHWAY, SUITE 1080 EDISON, NJ 08817 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| THE WILSHIRE GROUP LLC3 Filed as: WILSHIRE GROUP LLC | 2035 LINCOLN HIGHWAY, SUITE 1080 EDISON, NJ 08817 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 14.91% |
| THE WILSHIRE GROUP LLC3 Filed as: WILSHIRE GROUP LLC | 2035 LINCOLN HIGHWAY, SUITE 1080 EDISON, NJ 08817 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 19.00% |
| THE WILSHIRE GROUP LLC3 Filed as: WILSHIRE GROUP LLC | 2035 LINCOLN HIGHWAY, SUITE 1080 EDISON, NJ 08817 | UNION SECURITY INSURANCE COMPANY | $792 | — | $792 | 17.63% |
| THE WILSHIRE GROUP LLC3 Filed as: THE WILSHIRE GROUP | 2035 LINCOLN HWY., SUITE 1080 EDISON, NJ 08817 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $423 | — | $423 | 9.87% |
| BOLLINGER INC3 Filed as: BOLLINGER INC. | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $219 | — | $219 | 5.11% |
| THE WILSHIRE GROUP LLC3 Filed as: WILSHIRE GROUP LLC | 2035 LINCOLN HIGHWAY, SUITE 1080 EDISON, NJ 08817 | UNION SECURITY INSURANCE COMPANY | $250 | — | $250 | 20.02% |
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 | 176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| 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. | 149 | $2.1M |
| Dental | UNION SECURITY INSURANCE COMPANY | 114 | $123K |
| Vision | UNION SECURITY INSURANCE COMPANY | 114 | $123K |
| Life insurance(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 176 | $177K |
| Short-term disability(2 contracts) | UNION SECURITY INSURANCE COMPANY | 114 | $134K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 168 | $171K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 149 | $2.1M |
| Other(5 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 176 | $183K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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."
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.