| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | HCC LIFE INSURANCE | $41K | — | $41K | 15.00% |
| DICE INSURANCE INC3 Filed as: DICE INSURANCE INC. | 38 BELMORE ROAD LUTHERVILLE, MD 21093 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $369 | — | $369 | 2.61% |
| TRACEY MATZ3 | 2036 MARDIC DRIVE FOREST HILL, MD 21050 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $78 | — | $78 | 0.55% |
| NATIONAL TREASURY EMPLOYEES UNION3 | 1750 H STREET NW WASHINGTON, DC 20006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.18% |
| BOBBY JACKSON3 | 19 TOMBER COURT BALTIMORE, MD 21207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.18% |
| LAMM INSURANCE CENTER, INC.3 Filed as: LAMM SERVICES INS CNTR INC. | 818 FREDERICK ROAD BALTIMORE, MD 21228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.16% |
| STEPHANIE BARBER3 | PO BOX 10173 BALTIMORE, MD 21285 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.14% |
| ANDERSON INC3 Filed as: ANDERSON INC. | 69 DUTCH DRIVE CONOWINGO, MD 21918 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.13% |
| JEFFREY MOTSCO3 | 5965 SANDY RIDGE ELKRIDGE, MD 21075 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.07% |
| TERESA D'ASCOLI3 Filed as: TERESA DASCOLI | 16905 VINE COURT OLNEY, MD 20832 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.06% |
| ROBERT LEE SMITH ESTATE3 | 3160 THRASHER CIRCLE DECATUR, GA 30032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.06% |
| G R S INC3 Filed as: G R S INC. | 3278 TAHOE COURT NAPLES, FL 34119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.06% |
| THE THOMAS SCALES GROUP INC3 Filed as: THE THOMAS SCALES GROUP INC. | 5405 MEMORIAL DRIVE STONE MOUNTAIN, GA 30083 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | 0.00% |
| 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 | $66 | — | $66 | 0.50% |
| 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 | $22 | — | $22 | 0.17% |
| EMPLOYER PLAN SVCS INC3 | 2180 N LOOP WEST STE 400 HOUSTON, TX 77018 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY 2 | $2K | — | $2K | 23.73% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY 2 | — | $38 | $38 | 0.38% |
| EMPLOYER PLAN SVCS INC3 | 2180 N LOOP WEST STE 400 HOUSTON, TX 77018 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 21.49% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $28 | $28 | 0.32% |
| EMPLOYER PLAN SVCS INC3 | 2180 N LOOP WEST STE 400 HOUSTON, TX 77018 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY 3 | $1K | — | $1K | 21.35% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY 3 | — | $22 | $22 | 0.35% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | LINCOLN FINANCIAL GROUP | $1K | — | $1K | 24.99% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $972 | $30 | $1K | 20.35% |
| MARK S METTILLE3 Filed as: MARK S. METTILLE | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $138 | $138 | 2.80% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $105 | $105 | 2.13% |
| SHERI B. MELLIN3 | 61 SHADY LANE STAMFORD, CT 06903 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 2.21% |
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 | 116 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY 2 | 116 | $20K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY 3 | 20 | $6K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 37 | $22K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE | 116 | $271K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 110 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.