| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT ADMINISTRATIVE SYSTEMS, LLC3 | 17474 JOVANNA DRIVE SUITE 1B HOMEWOOD, IL 60430 | SUN LIFE ASSURANCE COMPANY OF CANADA | $43K | $33K | $77K | 26.62% |
| CIGNA3 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $31K | $31K | 10.70% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 604675695 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $21K | $21K | 7.47% |
| CURALINC HEALTHCARE3 Filed as: CURALINC | 8707 SKOKIE BLVD. SUITE 109 SKOKIE, IL 60077 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $919 | $919 | 0.32% |
| THE HORTON GROUP3 Filed as: HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 604675658 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $166 | $4K | 15.46% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | P.O. BOX 901 NAPERVILLE, IL 605660901 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $442 | $2K | 6.83% |
| THE HORTON GROUP3 Filed as: HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 604675658 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| THE HORTON GROUP3 Filed as: HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 604675658 | PRINCIPAL LIFE INSURANCE COMPANY | $559 | $352 | $911 | 4.81% |
| THE HORTON GROUP3 Filed as: HORTON INSURANCE AGENCY, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | PRINCIPAL LIFE INSURANCE COMPANY | $389 | — | $389 | 2.05% |
| THE HORTON GROUP3 Filed as: HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 604675658 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $204 | $3K | 16.26% |
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 | 148 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 148 | $19K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 156 | $39K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 62 | $19K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 148 | $288K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 156 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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.
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.