| 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 | $27K | $9K | $37K | 2.61% |
| THE HORTON GROUP Filed as: THE HORTON GROUP, INC. | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $654 | $154 | $808 | 7.29% |
| CENTRO BENEFITS RESEARCH LLC | 325 N KIRKWOOD RD, SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $554 | $554 | 5.00% |
| MARSH & MCLENNAN AGENCY LLC | PO BOX 12748 ROANOAKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $232 | $0 | $232 | 2.09% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | VISION SERVICE PLAN | $691 | — | $691 | — |
| MARSH & MCLENNAN AGENCY LLC | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | VISION SERVICE PLAN | $185 | — | $185 | — |
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 | 116 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD | 241 | $1.4M |
| Vision | VISION SERVICE PLAN | 90 | $0 |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 125 | $11K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS & BLUE SHIELD | 241 | $1.4M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 125 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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."
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.