| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC | 10320 ORLAND PARKWAY ORLANDO PARK, IL 60467 | BLUECROSS BLUESHIELD OF ILLINOIS | $87K | $4K | $92K | 3.58% |
| HEALTH INSURANCE MART AGENCY I3 Filed as: THE HEALTH INSURANCE MART | 2917 PLUMROSE LANE MCHENRY, IL 60050 | DELTA DENTAL OF ILLINOIS | $15K | — | $15K | 10.00% |
| THE HEALTH INS MART AGENCY3 | PO BOX 658 MCHENRY, IL 60051 | AMERICAN UNITED LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| HEALTH INSURANCE MART AGENCY I3 Filed as: HEALTH INSURANCE MART AGENCY INC | PO BOX 658 MCHENRY, IL 60051 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 27.68% |
| J STEPHEN DAY3 | 256 BINGHAM CT MUNDELEIN, IL 60060 | AFLAC | $628 | $34 | $662 | 6.20% |
| HEALTH INSURANCE MART AGENCY I3 Filed as: THE HEALTH INSURANCE MART AGENCY | PO BOX 658 MCHENRY, IL 60051 | AFLAC | $299 | — | $299 | 2.80% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $144 | $7 | $151 | 1.41% |
| KELLY V ZURZOLO3 | 875 FEINBERG COURT SUITE 103 CARY, IL 60013 | AFLAC | $135 | — | $135 | 1.26% |
| KANDACE M MCCARTHY3 Filed as: KANDACE M MCCCARTHY | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $103 | $7 | $110 | 1.03% |
| DON J CONOYER3 | 119 OAKSHIRE DRIVE WEST GLEN CARBON, IL 62034 | AFLAC | $50 | — | $50 | 0.47% |
| TIMOTHY B ASBY3 | 11500 GOLDEN WILLOW COURT ZIONSVILLE, IN 46077 | AFLAC | $11 | — | $11 | 0.10% |
| TREVOR FENNELL3 Filed as: TREVOR R FENNELL | 11835 QUEENS BOULEVARD SUITE 1403 FOREST HILLS, NY 11375 | AFLAC | $7 | — | $7 | 0.07% |
| ELIZABETH A LENZO3 | 701 ALBEROSKY WAY BATAVIA, IL 60510 | AFLAC | $7 | — | $7 | 0.07% |
| BRIAN W PATTEN3 | 120 MARGUERITE DRIVE SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $1 | — | $1 | 0.01% |
| JACQUELINE CASTRO3 Filed as: JACQUELINE S CASTRO | 100 WALL STREET FLOOR 28 NEW YORK, NY 10005 | AFLAC | $1 | — | $1 | 0.01% |
| JOSEPH A NASCA3 | 28081 WEST MAPLE AVENUE BARRINGTON, IL 60010 | AFLAC | $1 | — | $1 | 0.01% |
| TODD DEVOSS3 Filed as: TODD C DEVOSS | 321 NORTH CLARK STREET SUITE 625 CHICAGO, IL 60654 | AFLAC | $1 | — | $1 | 0.01% |
| ELIZABETH A LENZO3 | 11177 JASMINE DRIVE ROSCOE, IL 61073 | AFLAC | $0 | — | $0 | 0.00% |
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 | 400 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 418 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 445 | $2.6M |
| Dental | DELTA DENTAL OF ILLINOIS | 363 | $154K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 577 | $57K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 152 | $65K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 576 | $62K |
| Other(2 contracts, 2 carriers) | AFLAC | 575 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 577 | — |
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.