| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORIZON BENEFITS LLC3 Filed as: HORIZON AGENCY INC | 6500 CITY WEST PKY SUITE 100 EDEN PRAIRIE, MN 55345 | SUN LIFE FINANCIAL | $22K | — | $22K | 5.31% |
| UNITED BENEFIT ADVISORS LLC3 | 280 E 96TH AVE STE 250 INDIANAPOLIS, IN 46240 | SUN LIFE FINANCIAL | $9K | — | $9K | 2.30% |
| STOP LOSS INSURANCE SERVICES, INC.3 Filed as: STOP LOSS COALITION SERVICES LLC | 7632 DURHAM RD SUITE 115 TIGARD, OR 97224 | SUN LIFE FINANCIAL | $1K | — | $1K | 0.36% |
| UNITED BENEFITS ADVISORS INC3 | 10 WUNSHINE LN RED LION, PA 17536 | SUN LIFE FINANCIAL | $715 | — | $715 | 0.17% |
| HORIZON BENEFITS LLC3 Filed as: HORIZON AGENCY INC | 6500 CITY WEST PARKWAY SUITE 100 EDEN PRAIRIE, MN 55344 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $62K | — | $62K | 20.60% |
| STEVEN W HASKINS3 | 6500 CITY WEST PKWY #100 EDEN PRIARIE, MN 55344 | THE HARTFORD | $498 | — | $498 | 14.60% |
| STEVEN W HASKINS3 | 6500 CITY WEST PKWY # 100 EDEN PRAIRIE, MN 55344 | AETNA | $144K | — | $144K | — |
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 | 568 | 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) | 568 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA | 562 | $0 |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 638 | $303K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 638 | $303K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 638 | $303K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 638 | $303K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 638 | $303K |
| Stop-loss / reinsurancereinsurance | SUN LIFE FINANCIAL | 638 | $413K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 638 | $307K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 638 | — |
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.