| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HORTON GROUP | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $267 | $267 | 1.19% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | VISION SERVICE PLAN | $1K | — | $1K | 5.39% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $155K |
| THE HORTON GROUP, INC. EIN 36-3672171 BROKER | Other commissions Service code 55 | 340 COLUMBIA PLACE SOUTH BEND, IN 46601 | $46K |
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 | 281 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts) | DENTAL HEALTH OPTIONS | 202 | $8K |
| Vision | VISION SERVICE PLAN | 205 | $21K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 281 | $22K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 198 | $46K |
| Stop-loss / reinsurancereinsurance | ZURICH NORTH AMERICAN INSURANCE COMPANY | 266 | $434K |
| Other | UNITED STATES FIRE INSURANCE COMPANY | 0 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.