| 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 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 21.97% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 18.42% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $882 | — | $882 | 5.08% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $869 | — | $869 | 5.00% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 20.84% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP - IL | 10320 ORLAND PARKWAY #102 ORLAND PARK, IL 60467 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $493 | — | $493 | 8.18% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | -$71 | — | -$71 | — |
| N-GAGE LLC3 Filed as: N-GAGE, LLC | 1999 PINCREST RD SUAMICO, WI 54313 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | -$71 | — | -$71 | — |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | -$118 | — | -$118 | — |
| N-GAGE LLC3 Filed as: N-GAGE, LLC | 1999 PINECREST RD SUAMICO, WI 54313 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | -$118 | — | -$118 | — |
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 | 714 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 716 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 453 | $17K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 525 | $6K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 714 | $15K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 87 | $18K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 714 | $22K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 0 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 714 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.