| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IRUS CORPORATION3 | 923 MARLBOROUGH ST PHILADELPHIA, PA 19125 | HORIZON HEALTHCARE SERVICES, INC. | $76K | — | $76K | 2.54% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL PENNSYLVANIA | 480 NORRISTOWN RD BLUE BELL, PA 194222334 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 2.51% |
| IRUS CORPORATION3 | 923 MARLBOROUGH ST PHILADELPHIA, PA 19125 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 6.88% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LI | STE 210 N 1393 VETERANS MEMORIAL HWY HAUPPAUGE, NY 11788 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 1.75% |
| BENAWARE3 | PO BOX 1060 777 BALTIMORE STREET SUITE 97 GETTYSBURG, PA 17325 | ASSURITY LIFE INSURANCE | $19K | — | $19K | 31.30% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 480 NORRISTOWN ROAD BLUE BELL, PA 194222334 | ASSURITY LIFE INSURANCE | $10K | — | $10K | 16.25% |
| GETTYSBURG BENEFITS ADMINISTRATORS3 | PO BOX 1060 777 BALTIMORE STREET SUITE 97 GETTYSBURG, PA 17325 | ASSURITY LIFE INSURANCE | $4K | — | $4K | 6.61% |
| IRUS CORPORATION3 Filed as: IRUS CORP. | 923 MARLBOROUGH ST PHILADELPHIA, PA 191254142 | VISION SERVICE PLAN | $2K | — | $2K | 4.13% |
| VOLUNTARY BENEFIT ADVISORS3 Filed as: VOLUNTARY BENEFITS SERVICES INC | 63 NORWICH AVE STE 202 COLCHESTER, CT 06415 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $775 | — | $775 | 15.32% |
| IRUS CORPORATION3 | 923 MARLBOROUGH ST PHILADELPHIA, PA 19125 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $83 | — | $83 | 1.64% |
| LACHS, JOSHUA3 | 5414 SHIRLEY AVE TARZANA, CA 91356 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.34% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.12% |
| MALLEY, BRIAN, LEE3 Filed as: MALLEY BRIAN LEE | 1543 WICKERTON DR WESTCHESTER, PA 19382 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| IRUS CORPORATION INSURANCE AGENT/BROKER | Insurance agents and brokers Service code 22 | 923 MARLBOROUGH STREET PHILADELPHIA, PA 191254142 | $86K |
| TOTAL ADMINISTRATIVE SERVICES CORP CONTRACT ADMINSTRATOR | Contract Administrator Service code 13 | PO BOX 88278 MILWAUKEE, WI 532880001 | $15K |
| HUB INTERNATIONAL NORTHEAST INSURANCE AGENT/BROKER | Insurance agents and brokers Service code 22 | 5 BRYANT PARK NEW YORK, NY 10018 | $15K |
| WELLNET HEALTHCARE PLAN CONTRACT ADMINSTRATOR | Contract Administrator Service code 13 | 57 STREET ROAD SOUTHAMPTON, PA 18966 | $15K |
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 | 459 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 312 | $3.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 459 | $216K |
| Vision | VISION SERVICE PLAN | 310 | $39K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 343 | $116K |
| Short-term disability(2 contracts, 2 carriers) | ASSURITY LIFE INSURANCE | 251 | $65K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 343 | $116K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 343 | $177K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 459 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.