| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THINKTANK INSURANCE PARTNERS, INC.3 | 18521 SPRING CREEK ROAD UNIT B TINLEY PARK, IL 60477 | BLUECROSS BLUESHIELD OF ILLINOIS | $34K | — | $34K | 2.31% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | BLUECROSS BLUESHIELD OF ILLINOIS | $25K | $3K | $28K | 1.89% |
| THINKTANK INSURANCE PARTNERS, INC.3 | 18521 SPRING CREEK ROAD UNIT B TINLEY PARK, IL 60477 | DEARBORN LIFE INSURANCE COMPANY | $8K | — | $8K | 9.71% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC | 500 WEST MONROE, STE 2630 CHICAGO, IL 60661 | DEARBORN LIFE INSURANCE COMPANY | $5K | $3K | $7K | 8.45% |
| THINKTANK INSURANCE PARTNERS, INC.3 | 18521 SPRING CREEK ROAD UNIT B TINLEY PARK, IL 60477 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.41% |
| THE HORTON GROUP3 Filed as: HORTON GROUP INC. | 10320 ORLAND PKWY. ORLAND PARK, IL 60467 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.55% |
| THINKTANK INSURANCE PARTNERS, INC.3 | 18521 SPRING CREEK ROAD UNIT B TINLEY PARK, IL 60477 | VISION SERVICE PLAN | $726 | — | $726 | 4.57% |
| THE HORTON GROUP3 | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | VISION SERVICE PLAN | $567 | — | $567 | 3.57% |
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 | 145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 233 | $1.5M |
| Dental | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 116 | $77K |
| Vision | VISION SERVICE PLAN | 81 | $16K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 153 | $86K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 153 | $86K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 153 | $86K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 153 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.