| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 6160 GOLDEN HILLS DR. MINNEAPOLIS, MN 55416 | DELTA DENTAL OF INDIANA | $53K | — | $53K | 11.10% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25K | — | $25K | 8.36% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD. SCHAUMBURG, IL 60173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 1.63% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 1.28% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 11.98% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 15.20% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD. SCHAUMBURG, IL 60173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 3.20% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 15.24% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD. SCHAUMBURG, IL 60173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 3.18% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 5.77% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD. SCHAUMBURG, IL 60173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $318 | — | $318 | 1.02% |
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 | 857 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 859 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF INDIANA | 1,238 | $477K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,490 | $90K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 851 | $300K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 857 | $144K |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 851 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,490 | — |
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.