| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HORTON GROUP0 Filed as: HORTON GROUP INC - ORLAND PARK | 10320 ORLAND PKWY ORLAND PARK, IL 604675627 | HUMANA INSURANCE COMPANY | $42K | — | $42K | 5.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFITS MANAGEMENT GROUP, INC EIN 20-0188125 NONE | Accounting (including auditing); Other services; Contract Administrator Service code 10 | — | $748K |
| BLUE CROSS BLUE SHIELD OF ILLINOIS EIN 36-1236610 NONE | Non-monetary compensation; Claims processing; Other insurance fees and expenses Service code 12 | — | $606K |
| REINHART BOERNER VAN DEUREN S.C. EIN 39-1126909 NONE | Legal Service code 29 | — | $133K |
| OPTUMRX, INC. EIN 33-0441200 NONE | Other fees; Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $56K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Accounting (including auditing); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 10 | — | $54K |
| THE HORTON GROUP EIN 36-3672171 NONE | Consulting fees; Actuarial; Consulting (general) Service code 11 | — | $52K |
| NATIONAL INVESTMENT SERVICES, INC. EIN 84-3937993 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $40K |
| STRATEGIC CAPITAL INVESTMENT ADVISO EIN 36-4268991 NONE | Investment advisory (plan) Service code 27 | — | $27K |
| DELTA DENTAL OF ILLINOIS EIN 36-2612058 NONE | Contract Administrator; Claims processing Service code 12 | — | $24K |
| EMPLOYEE RESOURCE SYSTEMS, INC. EIN 36-3867945 NONE | Other services Service code 49 | — | $17K |
| SOMMERS & FAHRENBACH, INC EIN 36-1796440 NONE | Copying and duplicating Service code 36 | — | $17K |
| AMALGAMATED BANK OF CHICAGO EIN 36-0721895 NONE | Other commissions; Float revenue; Investment management; Custodial (securities) Service code 19 | — | $16K |
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 | 810 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 468 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 442 | $842K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 777 | $43K |
| Stop-loss / reinsurancereinsurance | BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY | 1,015 | $731K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,015 | — |
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.