| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | BLUE CROSS & BLUE SHIELD | $26K | $2K | $28K | 1.60% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $2K | $7K | 20.94% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | — | $307 | $307 | 0.95% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | METROPOLITAN LIFE INSURANCE COMPANY | — | $16 | $16 | 0.05% |
| THE HORTON GROUP Filed as: THE HORTON GROUP, INC. | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | VISION SERVICE PLAN | $613 | — | $613 | 5.90% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLIED BENEFIT SYSTEMS, INC. EIN 36-3086057 NONE | Insurance services Service code 23 | 200 W. ADAMS ST. SUITE 500 CHICAGO, IL 60606 | $6K |
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 | 255 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD | 286 | $1.7M |
| Vision | VISION SERVICE PLAN | 104 | $10K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 172 | $32K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 172 | $32K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS & BLUE SHIELD | 286 | $1.7M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 172 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.