| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HORTON GROUP3 Filed as: HORTON GROUP INC | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $838 | $13K | 12.62% |
| MACQUEEN & ASSOCIATES LLC3 Filed as: MACQUEEN AND ASSOCIATES LLC | 415 S WEST ST STE 350 ROYAL OAK, MI 48067 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $80 | $80 | 0.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY G1728 EIN 31-1440175 NONE | Other services; Claims processing; Contract Administrator; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 3075 VANDERCAR WAY CINCINNATI, OH 45209 | $710K |
| AMERICAN BENEFIT CORPORATION EIN 55-0672859 NONE | Contract Administrator Service code 13 | 9200 US ROUTE 60 ONA, WV 25545 | $433K |
| PAYDHEALTH LLC NONE | Consulting (general) Service code 16 | PO BOX 840557 LOS ANGELES, CA 90084 | $386K |
| THE HORTON GROUP INC NONE | Insurance services; Consulting (general) Service code 16 | PO BOX 778729 CHICAGO, IL 60677 | $120K |
| JOHNSON & KROL LLC EIN 36-4342024 NONE | Legal Service code 29 | 311 S WACKER DR CHICAGO, IL 60606 | $89K |
| JOHNSON PRINTING NONE | Copying and duplicating Service code 36 | 4136 GREEN VALLEY RD HUNTINGTON, WV 25701 | $52K |
| DELTA DENTAL OF OHIO EIN 31-0685339 NONE | Claims processing; Contract Administrator Service code 12 | — | $48K |
| EMPIRX HEALTH NONE | Claims processing Service code 12 | 155 CHESTNUT RIDGE ROAD MONTVALE, NJ 076451156 | $41K |
| SMW LOCAL 33 BENEFIT FUNDS INC EIN 34-1398805 NONW | Other services Service code 49 | 12515 CORPORATE DR PAMA, OH 44130 | $19K |
| NATIONAL INVESTMENT SERVICES OF AME NONE | Custodial (securities) Service code 19 | — | $18K |
| GRAY, GRIFFITH & MAYS EIN 55-0621482 NONE | Accounting (including auditing) Service code 10 | 707 VIRGINIA STREET EAST, SUITE 400 CHARLESTON, WV 25301 | $18K |
| GRAYSTONE CONSULTING NONE | Investment advisory (plan) Service code 27 | — | $13K |
| CUNI RUST & STRENK NONE | Actuarial Service code 11 | 4555 LAKE FOREST DRIVE SUITE 620 CINCINNATI, OH 45242 | $12K |
| MORGAN STANLEY SMITH BARNEY LLC NONE | Investment management; Custodial (securities) Service code 19 | — | $9K |
| SAV-RX NONE | Claims processing Service code 12 | 224 NORTH PARK AVENUE FREMONT, NE 68025 | $5K |
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 | 1,336 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 397 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,733 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,157 | $100K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,157 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,157 | — |
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.
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.