| 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. | $76K | — | $76K | 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 | $17K | — | $17K | 10.00% |
| MGIS5 | 111 SOUTH MAIN STREET, SUITE 400 SALT LAKE CITY, UT 84111 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $180 | $180 | 0.10% |
| THE WILSHIRE GROUP LLC3 Filed as: WILSHIRE GROUP LLC | 2035 LINCOLN HWY., SUITE 1080 EDISON, NJ 08817 | UNION SECURITY INSURANCE COMPANY | $7K | — | $7K | 6.50% |
| THE WILSHIRE GROUP LLC3 Filed as: WILSHIRE GROUP LLC | 2035 LINCOLN HIGHWAY, SUITE 1080 EDISON, NJ 08817 | UNION SECURITY INSURANCE COMPANY | $691 | — | $691 | 14.98% |
| THE WILSHIRE GROUP LLC3 Filed as: THE WILSHIRE GROUP | 2035 LINCOLN HWY., SUITE 1080 EDISON, NJ 08817 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $647 | — | $647 | 14.77% |
| THE WILSHIRE GROUP LLC3 Filed as: WILSHIRE GROUP LLC | 2035 LINCOLN HIGHWAY, SUITE 1080 EDISON, NJ 08817 | UNION SECURITY INSURANCE COMPANY | $488 | — | $488 | 16.11% |
| THE WILSHIRE GROUP LLC3 Filed as: WILSHIRE GROUP LLC | 2035 LINCOLN HIGHWAY, SUITE 1080 EDISON, NJ 08817 | UNION SECURITY INSURANCE COMPANY | $179 | — | $179 | 11.71% |
| THE WILSHIRE GROUP LLC3 Filed as: WILSHIRE GROUP LLC | 2035 LINCOLN HIGHWAY, SUITE 1080 EDISON, NJ 08817 | UNION SECURITY INSURANCE COMPANY | $62 | — | $62 | 19.87% |
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 | 171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 170 | $1.9M |
| Dental | UNION SECURITY INSURANCE COMPANY | 121 | $105K |
| Vision | UNION SECURITY INSURANCE COMPANY | 121 | $105K |
| Life insurance(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 227 | $182K |
| Short-term disability(2 contracts) | UNION SECURITY INSURANCE COMPANY | 121 | $108K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 227 | $173K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 170 | $1.9M |
| Other(5 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 227 | $184K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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.