| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LHS SUB, INC.5 | 211 COMMERCE STREET, SUITE 601 NASHVILLE, TN 37201 | HCC LIFE INSURANCE COMPANY | $2K | — | $2K | 0.25% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $86 | $2K | 8.85% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $145 | $4K | 15.63% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $103 | $3K | 15.56% |
| DIMENSION BENEFITS LLC3 | 4955 KERRINGTON BLVD BARGERSVILLE, IN 461068310 | TRANSAMERICA LIFE INSURANCE COMPANY | $322 | — | $322 | 3.40% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL MIDWEST LIMITED | 55 E JACKSON BLVD CHICAGO, IL 60604 | TRANSAMERICA LIFE INSURANCE COMPANY | -$7 | — | -$7 | -0.07% |
| JEFFREY L WHISLER3 | 126 1/2 S. MAIN STREET ELKHART, IN 465163122 | TRANSAMERICA LIFE INSURANCE COMPANY | -$33 | — | -$33 | -0.35% |
| MICHAEL J REYNOLDS3 | 4640 E QUIVIRA DR TUCSON, AZ 85718 | TRANSAMERICA LIFE INSURANCE COMPANY | -$115 | — | -$115 | -1.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NORTH AMERICAN ADMINISTRATORS EIN 65-0851406 TPA | Contract Administrator Service code 13 | P.O. BOX 1984 NASHVILLE, TN 37202 | $825K |
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 | 726 | 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) | 726 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 276 | $43K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 630 | $36K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 49 | $19K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 199 | $23K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 271 | $661K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 726 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 726 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.