| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LUMITY, INC.3 | 5214F DIAMOND HEIGHTS BOULEVARD UNITE 1152 SAN FRANCISCO, CA 94131 | HORIZON HEALTHCARE SERVICES, INC. | $122K | $0 | $122K | 2.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | HORIZON HEALTHCARE SERVICES, INC. | $56K | $0 | $56K | 1.07% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 5214F DIAMOND HEIGHTS BOULEVARD SAN FRANCISCO, CA 94131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $45K | $14K | $59K | 9.45% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 401 BROADHOLLOW RAOD, SUITE 200 MELVILLE, NY 11747 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $30K | $0 | $30K | 4.83% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD, 2ND FLOOR 2ND FLOOR HAUPPAUGE, NY 11788 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | $0 | $19K | 2.99% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC. | 300 CONNELL DRIVE, SUITE 3000 BERKELEY HEIGHTS, NJ 07922 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $0 | $13K | 2.01% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 5214F DIAMOND HEIGHTS BOULEVARD SAN FRANCISCO, CA 94131 | KAISER FOUNDATION HEALTH PLAN, INC. | $4K | $0 | $4K | 3.43% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 401 BROADHOLLOW ROAD, SUITE 200 MELVILLE, NY 11747 | KAISER FOUNDATION HEALTH PLAN, INC. | $2K | $0 | $2K | 1.56% |
| GIS BENEFITS INC3 Filed as: GIS NORTHERN CALIFORNIA | 315 MONTGOMERY STREET, SUITE 900 SAN FRANCISCO, CA 94104 | METLIFE LEGAL PLANS | $4K | $0 | $4K | 11.03% |
| LUMITY, INC.3 | 5214F DIAMOND HIGHTS BOULEVARD UNITE 1152 SAN FRANCISCO, CA 94131 | METLIFE LEGAL PLANS | $4K | $0 | $4K | 10.00% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN BENEFIT ADMINISTRATORS | PO BOX 9201 AUSTIN, TX 78766 | METLIFE LEGAL PLANS | $0 | $2K | $2K | 5.13% |
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 | 523 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 545 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 436 | $5.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 550 | $624K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 550 | $624K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 550 | $624K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 550 | $624K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 550 | $624K |
| Prescription drug(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 436 | $5.4M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 550 | $660K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 550 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.