| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HORTON GROUP3 Filed as: HORTON GROUP INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | BLUECROSS BLUESHIELD OF ILLINOIS | $92K | $4K | $96K | 4.01% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | SUN LIFE ASSURANCE COMPANY OF CANADA | $32K | — | $32K | 12.95% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $12K | $12K | 5.00% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP - IL | 10320 ORLAND PARKWAY SUITE 102 ORLAND PARK, IL 604675658 | EYEMED VISION CARE FOR FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.82% |
| THREEFLOW3 | 306 W. ERIE STREET SUITE 300 CHICAGO, IL 60654 | EYEMED VISION CARE FOR FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 6.25% |
| THREEFLOW3 | 227 W. MONROE STREET, SUITE 5200 CHICAGO, IL 60606 | EYEMED VISION CARE FOR FIDELITY SECURITY LIFE INSURANCE COMPANY | $33 | — | $33 | 0.20% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | DEARBORN LIFE INSURANCE COMPANY | $2K | $4K | $6K | 40.98% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | DEARBORN LIFE INSURANCE COMPANY | — | $3K | $3K | 19.38% |
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 | 200 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 257 | $2.4M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 200 | $245K |
| Vision | EYEMED VISION CARE FOR FIDELITY SECURITY LIFE INSURANCE COMPANY | 242 | $16K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 200 | $259K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 23 | $14K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 200 | $259K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 200 | $259K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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.