| 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 | $34K | $87K | 0.41% |
| REMEDY CONSULTING LLC3 | 14140 W. GATEWOOD COURT NEW BERLIN, WI 53151 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $27K | $27K | 0.13% |
| MARSH & MCLENNAN AGENCY LLC3 | 6300 BRIDGPOINT PKWY BLDG 3 SUITE 500 AUSTIN, TX 78730 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $136K | — | $136K | 10.40% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $285 | $285 | 0.02% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S. GARLAND AVE. STE 203 ORLANDO, FL 328013277 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 0.61% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC | 10320 ORLAND PKWY ORLAND PARK, IL 604675658 | METROPOLITAN LIFE INSURANCE COMPANY | — | $32 | $32 | 0.00% |
| THE HORTON GROUP3 | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | VISION SERVICE PLAN | $13K | — | $13K | 9.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN COMPANIES, INC | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | VISION SERVICE PLAN | $2K | — | $2K | 1.65% |
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 | 1,332 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,340 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 2,139 | $21.4M |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 2,149 | $22.3M |
| Vision | VISION SERVICE PLAN | 833 | $145K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,332 | $1.3M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,332 | $1.3M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,332 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,149 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.