| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSSIONAL GROUP PLANS INC3 Filed as: PROFESSSIONAL GROUP PLANS, INC | — | HORIZON HEALTHCARE SERVICES, INC. | $29K | $6K | $35K | 5.95% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | — | HORIZON HEALTHCARE SERVICES, INC. | $5K | $976 | $6K | 5.30% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA), INC | — | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 7.04% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | — | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 5.53% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENIFITS, INC. | — | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.10% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | — | HARTFORD LIFE AND ACCIDENT | $2K | $3K | $5K | 18.46% |
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 | 109 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 58 | $590K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 94 | $68K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 94 | $68K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 132 | $28K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 25 | $108K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 132 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.