| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORIZON BENEFITS LLC3 Filed as: HORIZON AGENCY | 6500 CITY WEST PKWY # 100 EDEN PRAIRIE, MN 55344 | SUN LIFE ASSURANCE COMPANY OF CANADA | $25K | $20K | $46K | 9.02% |
| UNITED BENEFIT ADVISORS LLC3 Filed as: UNITED BENEFIT ADVISORS | 20 N WACKER DR CHICAGO, IL 60606 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 1.50% |
| SCOTT HASKINS - HORIZON AGENCY3 | 6500 CITY WEST PKWY # 100 EDEN PRAIRIE, MN 55344 | AETNA | $105K | — | $105K | 31.84% |
| HORIZON BENEFITS LLC3 Filed as: HORIZON AGENCY | 6500 CITY WEST PKWY # 100 EDEN PRAIRIE, MN 55344 | SUN LIFE ASSURANCE COMPANY OF CANADA | $28K | — | $28K | 13.27% |
| HORIZON BENEFITS LLC3 Filed as: HORIZON AGENCY | 6500 CITY WEST PKWY # 100 EDEN PRAIRIE, MN 55344 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 2.55% |
| HORIZON BENEFITS LLC3 Filed as: HORIZON AGENCY | 6500 CITY WEST PKWY # 100 EDEN PRAIRIE, MN 55344 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 15.19% |
| HORIZON BENEFITS LLC3 Filed as: HORIZON AGENCY | 6500 CITY WEST PKWY # 100 EDEN PRAIRIE, MN 55344 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 6.62% |
| HORIZON BENEFITS LLC3 Filed as: HORIZON AGENCY INC | 6500 CITY WEST PKWY # 100 SUITE 100 EDEN PRAIRIE, MN 55344 | SUN LIFE ASSURANCE COMPANY OF CANADA | $964 | — | $964 | 3.95% |
| HORIZON BENEFITS LLC3 Filed as: HORIZON AGENCY | 6500 CITY WEST PKWY # 100 EDEN PRAIRIE, MN 55344 | THE HARTFORD | $397 | — | $397 | 15.02% |
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 | 444 | 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) | 444 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA | 444 | $329K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 444 | $24K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 384 | $37K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 814 | $213K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 814 | $213K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 814 | $213K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 444 | $505K |
| Other(4 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 814 | $291K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 814 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.