| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 340 COLUMBIA STREET SOUTH BEND, IN 466012339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $717 | $4K | 10.39% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 340 COLUMBIA STREET SOUTH BEND, IN 466012339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $613 | $4K | 12.44% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 340 COLUMBIA STREET SOUTH BEND, IN 466012339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $542 | $4K | 11.52% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 604675658 | VISION SERVICE PLAN | $579 | — | $579 | 10.01% |
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 | 240 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 210 | $6K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 240 | $41K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 240 | $31K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 240 | $35K |
| Stop-loss / reinsurancereinsurance | ZURICH NORTH AMERICAN INSURANCE COMPANY | 218 | $458K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 240 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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.