| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IRUS CORPORATION3 | 923 MARLBOROUGH STREET PHILADELPHIA, PA 19125 | HORIZON HEALTHCARE SERVICES, INC. | $59K | $0 | $59K | 1.66% |
| RISK STRATEGIES COMPANY3 Filed as: ROUND HILL RISK PARTNERS LLC | 788 MORRIS TURNPIKE, SUITE 101 SHORT HILLS, NJ 07078 | HORIZON HEALTHCARE SERVICES, INC. | $17K | $0 | $17K | 0.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL PENNSYLVANIA | 100 SUNNY BOULEVARD WOODBURY, NY 11797 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $21 | $5K | 2.37% |
| IRUS CORPORATION3 | 923 MARLBOROUGH STREET PHILADELPHIA, PA 19125 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 6.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 180 RIVER ROAD, 2ND FLOOR SUMMIT, NY 07901 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 1.39% |
| GETTYSBURG BENEFITS ADMINISTRATORS3 Filed as: GETTYSBURG BENEFITS ADMINSTRATORS | UNKNOWN FAIRFIELD, NJ 07004 | ASSURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.11% |
| IRUS CORPORATION3 | 923 MARLBOROUGH STREET PHILADELPHIA, PA 19125 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.86% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 180 RIVER ROAD, 2ND FLOOR SUMMIT, NY 07901 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13K | $860 | $14K | 37.82% |
| IRUS CORPORATION3 | 923 MARLBOROUGH STREET PHILADELPHIA, PA 19125 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 0.04% |
| JOSHUA LACHS3 | 5414 SHIRLEY AVENUE TARZANA, CA 91356 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.02% |
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 | 293 | 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) | 293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 273 | $3.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 465 | $231K |
| Vision | VISION SERVICE PLAN | 271 | $45K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 293 | $178K |
| Short-term disability(2 contracts, 2 carriers) | ASSURITY LIFE INSURANCE COMPANY | 255 | $98K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 293 | $141K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 293 | $202K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 465 | — |
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.