| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $20K | — | $20K | 0.98% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $14K | — | $14K | 0.72% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | HEALTHPARTNERS, INC. | $5K | $23 | $5K | 4.97% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | HEALTHPARTNERS, INC. | $5K | — | $5K | 4.93% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | SYMETRA LIFE INSURANCE COMPANY | $3K | $165 | $3K | 5.59% |
| AGENT ALLIANCE CORPORATION3 Filed as: NO AGENT LISTED | — | SYMETRA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.75% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | VISION SERVICE PLAN | $453 | — | $453 | 4.24% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 10320 ORLAND PARKWAY ORLAND PARK, IA 60467 | VISION SERVICE PLAN | $436 | — | $436 | 4.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | VISION SERVICE PLAN | $179 | — | $179 | 1.68% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS-SEE ATTACHED | — | AFLAC | $590 | — | $590 | 6.34% |
| LAURA E SELKEN4 | 21355 FOXTAIL LN ROGERS, MN 55374 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $103 | — | $103 | 4.90% |
| TRAM STRUVE4 | 1790 SPINAKER DR. WOODBURY, MN 55125 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $92 | — | $92 | 4.38% |
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 | 158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 216 | $2.0M |
| Dental | HEALTHPARTNERS, INC. | 213 | $106K |
| Vision | VISION SERVICE PLAN | 82 | $11K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 158 | $49K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 158 | $49K |
| Other(3 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 158 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.