| 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 | $51K | $35K | $86K | 0.48% |
| REMEDY CONSULTING LLC3 | 14140 W. GATEWOOD COURT NEW BERLIN, WI 53151 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $51K | $51K | 0.28% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC | 10320 ORLAND PRKWY ORLAND PARK, IL 60467 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $200K | — | $200K | 16.96% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $248 | $248 | 0.02% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC | 10320 ORLAND PKWY ORLAND PARK, IL 604675658 | METROPOLITAN LIFE INSURANCE COMPANY | — | $37 | $37 | 0.00% |
| THE HORTON GROUP3 | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | VISION SERVICE PLAN | $12K | — | $12K | 9.13% |
| THE HORTON GROUP3 | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | RELIANCE STANDARD | $213 | — | $213 | 14.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PRUDENTIAL INSURANCE COMPANY IF AME EIN 22-1211670 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | P.O. BOX 7827 PHILADELPHIA, PA 19176 | $40K |
| INFINISOURCE BENEFIT SERVICES EIN 38-2976613 RECORDKEEPER | Recordkeeping fees Service code 64 | 15 E WASHINGTON ST COLDWATER, MI 49036 | $24K |
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 | 1,299 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,305 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 2,166 | $18.0M |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 2,166 | $18.9M |
| Vision | VISION SERVICE PLAN | 851 | $136K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,299 | $1.2M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,299 | $1.2M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,299 | $1.2M |
| Other | RELIANCE STANDARD | 0 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,166 | — |
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.