| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC | 10320 ORLAND PKWY ORLAND PARK, IL 604675658 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $4K | $4K | 0.18% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC | 500 WEST MONROE SUITE 2360 CHICAGO, IL 60661 | DEARBORN LIFE INSURANCE COMPANY | $6K | $3K | $9K | 4.76% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC | 10320 ORLAND PARKWAY ORLAND PARK, IL 60647 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 24.60% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 N. KIRKWOOD RD. SUITE 300 KIRKWOOD, MO 63122 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $436 | $436 | 4.58% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | METLIFE LEGAL PLANS | $321 | $35 | $356 | 10.15% |
| AGENT ALLIANCE CORPORATION3 Filed as: NO AGENT LISTED | — | TELADOC | $445 | — | $445 | 15.01% |
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 | 260 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 336 | $2.0M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 336 | $2.0M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 260 | $181K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 260 | $181K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 260 | $181K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 260 | $181K |
| Other(4 contracts, 4 carriers) | DEARBORN LIFE INSURANCE COMPANY | 260 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 336 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.