| 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 | HEALTH CARE SERVICE CORPORATION | $108K | $4K | $112K | 3.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | DELTA DENTAL OF ILLINOIS | $16K | $0 | $16K | 9.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $18K | $0 | $18K | 13.46% |
| HEALTH INSURANCE MART AGENCY I3 | PO BOX 658 MCHENRY, IL 60051 | AMERICAN UNITED LIFE INSURANCE COMPANY | $8K | $0 | $8K | 10.00% |
| JOHN STEPHEN DAY JR3 Filed as: JOHN STEPHEN DAY JR. | 256 BINGHAM CT MUNDELEIN, IL 60060 | CONTINENTAL AMERICAN INSURANCE COMPANY | $99 | $0 | $99 | 0.29% |
| STEPHEN GOLEMBIEWSKI3 | 228 OAK AVE. WESTMONT, IL 60559 | CONTINENTAL AMERICAN INSURANCE COMPANY | $50 | $0 | $50 | 0.15% |
| ASSURANCE AGENCY LTD3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45 | $0 | $45 | 0.13% |
| HEALTH INSURANCE MART AGENCY I3 Filed as: THE HEALTH INSURANCE MART AGENCY | PO BOX 658 MCHENRY, IL 60051 | CONTINENTAL AMERICAN INSURANCE COMPANY | $39 | $0 | $39 | 0.11% |
| DONALD J CONOYER3 | 119 OAKSHIRE DR. W GLEN CARBON, IL 62034 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | $0 | $30 | 0.09% |
| MICHAEL S MOORE3 | 2224 WEST WATERFORD COURT ROUND LAKE, IL 60073 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | $0 | $27 | 0.08% |
| TAMI J SPENCE3 | 4 SPRING CREEK CT HAWTHORN WOODS, IL 60047 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | $0 | $27 | 0.08% |
| KELLY V ZURZOLO3 | 535 ABBEYWOOD DRIVE CARY, IL 60013 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | $0 | $25 | 0.07% |
| CHAD L NELSON3 | 5266 N KUFALK LANE BYRON, IL 61010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | $0 | $14 | 0.04% |
| MICHAEL E MCCARTHY3 | 6119 HIGHLAND LANE VILLAGE OF LAKEWOOD, IL 60014 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | $0 | $12 | 0.03% |
| DENNIS J CASSENS3 Filed as: DENNIS CASSENS | 4646 E MARRILL RD BYRON, IL 61010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | $0 | $10 | 0.03% |
| KANDACE M MCCARTHY3 | 6119 HIGHLAND LANE VILLAGE OF LAKEWOOD, IL 60014 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | $0 | $8 | 0.02% |
| MADELEINE NELSON3 | 230 S HIGHLAND AVE., APT. 1C ARLINGTON HEIGHTS, IL 60005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | $0 | $6 | 0.02% |
| JOSHUA T JONES3 | 25 GARFIELD LANE STREAMWOOD, IL 60107 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | $0 | $5 | 0.01% |
| STEPHEN KELLS3 | 514 MAYFAIR COURT GERMANTOWN HILLS, IL 61568 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
| TIMOTHY B ASBY3 | 9247 MERIDIAN ST., STE. 205 INDIANAPOLIS, IN 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
| SCOTT LYDEN3 Filed as: SCOTT F LYDEN | 1284 ROSEGATE CT AURORA, IL 60504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| ELIZABETH A LENZO3 | 701 ALBEROSKY WAY BATAVIA, CA 60510 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| HEALTH INSURANCE MART AGENCY I3 | PO BOX 658 MCHENRY, IL 60051 | LIFESECURE INSURANCE COMPANY | $2K | $0 | $2K | 8.36% |
| RESOURCE BROKERAGE LLC3 | 1501 E. WOODFIELD RD. SCHAUMBURG, IL 60173 | LIFESECURE INSURANCE COMPANY | $777 | $0 | $777 | 3.84% |
| BROADTOWER INSURANCE SOLUTIONS3 | 4400 MACARTHUR BLVD NEWPORT BEACH, CA 92660 | LIFESECURE INSURANCE COMPANY | $192 | $0 | $192 | 0.95% |
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 | 547 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 550 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 459 | $3.1M |
| Dental | DELTA DENTAL OF ILLINOIS | 369 | $163K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 547 | $136K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 168 | $76K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 547 | $136K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 547 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 547 | — |
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.