| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 604675658 | AMERITAS LIFE INSURANCE CORP. | $2K | $96 | $2K | 6.06% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 8.72% |
| TRUPAY CORPORATION3 Filed as: TRUPAY BENEFIT SERVICES | 810 PARK PLACE MISHAWAKA, IN 46546 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | VISION SERVICE PLAN | $700 | — | $700 | 7.80% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 18.51% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $873 | — | $873 | 12.51% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 25.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $565 | — | $565 | 10.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $856 | — | $856 | 18.49% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $579 | — | $579 | 12.51% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $64 | — | $64 | 14.75% |
| TRUPAY CORPORATION3 Filed as: TRUPAY BENEFIT SERVICES, LLC | 810 PARK PLACE MISHAWAKA, IN 46545 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1 | — | $1 | 0.23% |
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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 151 | $36K |
| Vision | VISION SERVICE PLAN | 69 | $9K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 117 | $33K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 16 | $6K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 85 | $8K |
| Other(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 117 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.