| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | HCC LIFE INSURANCE | $42K | — | $42K | 15.00% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.00% |
| ASSUREX3 Filed as: ASSUREX AGENCY INC | 175 S THIRD STREET SUITE 800 COLUMBUS, OH 43215 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $88 | — | $88 | 0.73% |
| THE HUNKEN AGENCY, INC.3 Filed as: THE HUNKEN AGENCY INC | 2550 COMPASS ROAD SUITE H GLENVIEW, IL 60026 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $47 | — | $47 | 0.39% |
| EMPLOYER PLAN SVCS INC3 | 2180 N LOOP WEST STE 400 HOUSTON, TX 77018 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY 2 | $1K | — | $1K | 25.00% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY 2 | — | $127 | $127 | 2.52% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | UNITED HEALTHCARE INSURANCE COMPANY | $507 | — | $507 | 12.11% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNITED HEALTHCARE INSURANCE COMPANY | $381 | — | $381 | 9.10% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | LINCOLN FINANCIAL GROUP | $990 | — | $990 | 25.01% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $792 | $82 | $874 | 22.08% |
| MARK S METTILLE3 Filed as: MARK S. METTILLE | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $198 | $198 | 5.00% |
| EMPLOYER PLAN SVCS INC3 | 2180 N LOOP WEST STE 400 HOUSTON, TX 77018 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $933 | — | $933 | 25.01% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $106 | $106 | 2.84% |
| EMPLOYER PLAN SVCS INC3 | 2180 N LOOP WEST STE 400 HOUSTON, TX 77018 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY 3 | $724 | — | $724 | 25.00% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY 3 | — | $77 | $77 | 2.66% |
| SHERI B. MELLIN3 | 61 SHADY LANE STAMFORD, CT 06903 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 2.37% |
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 | 112 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 51 | $4K |
| Life insurance(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY 2 | 112 | $13K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY 3 | 16 | $3K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 40 | $16K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE | 112 | $283K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 106 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.