| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | BLUECROSS BLUESHIELD OF ILLINOIS | $53K | $14K | $66K | 0.39% |
| THE HORTON GROUP3 | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | UNUM LIFE INSURANCE OF AMERICA | $17K | $17K | $33K | 4.03% |
| THE HORTON GROUP3 | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | VISION SERVICE PLAN | $10K | — | $10K | 9.92% |
| THE HORTON GROUP Filed as: THE HORTON GROUP INC | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | RELIANCE STANDARD LIFE INSURANCE | $213 | — | $213 | 14.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INFINISOURCE BENEFIT SERVICES EIN 38-2976613 RECORDKEEPER | Recordkeeping fees Service code 64 | 15 E WASHINGTON ST COLDWATER, MI 49036 | $62K |
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 | 1,227 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 2,281 | $16.9M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 2,281 | $16.9M |
| Vision | VISION SERVICE PLAN | 768 | $100K |
| Life insurance | UNUM LIFE INSURANCE OF AMERICA | 1,227 | $830K |
| Short-term disability | UNUM LIFE INSURANCE OF AMERICA | 1,227 | $830K |
| Long-term disability | UNUM LIFE INSURANCE OF AMERICA | 1,227 | $830K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE OF AMERICA | 1,227 | $832K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,281 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.