| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HORTON GROUP3 Filed as: HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60647 | ANTHEM INSURANCE COMPANIES, INC. | $36K | $1K | $37K | 4.08% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $2K | $13K | 17.61% |
| THE HORTON GROUP3 Filed as: HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60647 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $269 | $2K | 13.55% |
| N-GAGE LLC3 | 1999 PINECREST RD SUAMICO, WI 543137653 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $154 | $2K | 12.82% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD. STE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $766 | $254 | $1K | 6.42% |
| THE HORTON GROUP3 Filed as: HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60647 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $231 | $2K | 17.25% |
| N-GAGE LLC3 | 1999 PINECREST RD SUAMICO, WI 543137653 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $130 | $2K | 16.28% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD. STE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $614 | $203 | $817 | 6.06% |
| THE HORTON GROUP3 Filed as: HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $358 | $2K | 14.13% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD. STE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $546 | $181 | $727 | 6.13% |
| THE HORTON GROUP3 Filed as: HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60647 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $200 | $2K | 16.94% |
| N-GAGE LLC3 | 1999 PINECREST RD SUAMICO, WI 543137653 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $100 | $2K | 15.76% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD. STE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $495 | $165 | $660 | 6.06% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | METROPOLITAN GENERAL INSURANCE COMPANY | $450 | — | $450 | 9.45% |
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 | 161 | 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) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | ANTHEM INSURANCE COMPANIES, INC. | 190 | $954K |
| Dental | ANTHEM INSURANCE COMPANIES, INC. | 190 | $914K |
| Vision(2 contracts, 2 carriers) | ANTHEM INSURANCE COMPANIES, INC. | 190 | $926K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 161 | $76K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 161 | $76K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 161 | $76K |
| Other(5 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 167 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.