| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | ANTHEM INSURANCE COMPANIES, INC. | $36K | — | $36K | 4.30% |
| GIBSON INSURANCE AGENCY, INC.3 | 202 S MICHIGAN ST, SUITE 1400 SOUTH BEND, IN 46601 | ANTHEM INSURANCE COMPANIES, INC. | $3K | — | $3K | 0.35% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | DELTA DENTAL OF INDIANA | $11K | — | $11K | 10.17% |
| THE HORTON GROUP3 Filed as: HORTON GROUP INC | 10320 ORLAND PARKWAY ORLAND PARK, IL 604675658 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 10.05% |
| GIBSON INSURANCE AGENCY, INC.3 | PO BOX 610 PLYMOUTH, IN 465630610 | METROPOLITAN LIFE INSURANCE COMPANY | — | $188 | $188 | 1.08% |
| GIBSON INSURANCE AGENCY, INC.3 | PO BOX 11107 FORT WAYNE, IN 46855 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $52 | $1K | 6.95% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $38 | $38 | 0.23% |
| GIBSON INSURANCE AGENCY, INC.3 | 202 S MICHIGAN ST, SUITE 1400 SOUTH BEND, IN 46601 | ANTHEM LIFE INSURANCE COMPANY | $1K | — | $1K | 10.79% |
| GIBSON INSURANCE AGENCY, INC.3 | PO BOX 11107 FORT WAYNE, IN 46855 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4 | — | $4 | 4.26% |
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 | 376 | 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) | 376 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 194 | $835K |
| Dental | DELTA DENTAL OF INDIANA | 284 | $104K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 312 | $17K |
| Life insurance(3 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 376 | $27K |
| Short-term disability(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 41 | $17K |
| Other(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 41 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 376 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.