| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BLVD. STE 365 BEACHWOOD, OH 44122 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $13K | $32K | 4.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HORTON A MARSH & MCLENNAN AGENCY LL | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | — | $26K | 3.43% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N MARTINGALE RD. STE 100 SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | — | $19K | 2.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDELE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 0.36% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD. STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | — | $41 | $41 | 0.01% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY LLC | 1820 E. 1ST STREET STE 400 SANTA ANA, CA 92705 | AETNA LIFE INSURANCE CO. | $96K | — | $96K | 21.99% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA 2 SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE CO. | $36K | — | $36K | 8.18% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY INC. | 3100 E. MIRALOMA AVE STE 240 ANAHEIM, CA 92806 | RELIASTAR LIFE INSURANCE COMPANY | $50K | $10K | $61K | 16.62% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | RELIASTAR LIFE INSURANCE COMPANY | $18K | — | $18K | 4.86% |
| MYWORKPLACE, INC.3 | 400 N. LOOP 1604 E STE 110 SAN ANTONIO, TX 78232 | RELIASTAR LIFE INSURANCE COMPANY | — | $11K | $11K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD. SUITE 100 SCHAUMBURG, IL 60173 | RELIASTAR LIFE INSURANCE COMPANY | $9K | — | $9K | 2.58% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S. GARLAND AVE STE 203 ORLANDO, FL 32801 | RELIASTAR LIFE INSURANCE COMPANY | — | $8K | $8K | 2.08% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY | — | COMBINED INSURANCE | $76K | — | $76K | 27.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | — | COMBINED INSURANCE | $30K | — | $30K | 10.93% |
| THE HORTON GROUP3 | — | COMBINED INSURANCE | $3K | — | $3K | 1.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE NIA GROUP, A MARSH & MCLENNAN A | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 1.63% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 8.24% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 6.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE NIA GROUP A MARSH & MCLENNAN AG | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 3.14% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST VEVA 16 BLUE BELL, PA 19422 | INDEPENDENCE BLUE CROSS | $2K | $22K | $24K | 28.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE NIA GROUP, A MARSH & MCLENNAN A | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 1.74% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY, INC. | 1820 E. 1ST STREET #400 SANTA ANA, CA 92705 | HEALTHIEST YOU | $5K | — | $5K | 10.08% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | HEALTHIEST YOU | $3K | — | $3K | 6.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE NIA GROUP, A MARSH & MCLENNAN A | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $391 | $391 | 3.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE NIA GROUP, A MARSH & MCLENNAN A | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $25 | $25 | 1.01% |
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 | 1,059 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,090 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,698 | $767K |
| Vision | INDEPENDENCE BLUE CROSS | 1,724 | $85K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 637 | $97K |
| Short-term disability(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 547 | $498K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 213 | $63K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 1,059 | $1.3M |
| Other(3 contracts, 3 carriers) | COMBINED INSURANCE | 637 | $319K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,724 | — |
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.