| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IRUS CORPORATION3 | 923 MARLBOROUGH STREET PHILADELPHIA, PA 19125 | HORIZON HEALTHCARE SERVICES, INC. | $80K | $0 | $80K | 2.46% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 480 NORRISTOWN ROAD BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $60 | $6K | 2.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY BUILDING 2 SUITE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $12 | $12 | 0.01% |
| IRUS CORPORATION3 | 923 MARLBOROUGH STREET PHILADELPHIA, PA 19125 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 6.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LTD | 180 RIVER ROAD, 2ND FLOOR SUMMIT, NY 07901 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 1.40% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | UNKNOWN FAIRFIELD, NJ 07004 | ASSURITY LIFE INSURANCE COMPANY | $13K | $0 | $13K | 23.15% |
| IRUS CORPORATION3 Filed as: IRUS CORP | 923 MARLBOROUGH STREET PHILADELPHIA, PA 19125 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.97% |
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 | 461 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 464 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 294 | $3.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 461 | $230K |
| Vision | VISION SERVICE PLAN | 298 | $43K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 340 | $145K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 340 | $200K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 340 | $200K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 461 | — |
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.