| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HORTON GROUP3 | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | — | $7K | $7K | 7.09% |
| GIS BENEFITS INC3 | 107 CANDLELIGHT LN MORRIS, IL 60450 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.36% |
| THE HORTON GROUP3 | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | VISION SERVICE PLAN | $959 | — | $959 | 6.05% |
| ASSUREX GLOBAL CORPORATION3 Filed as: ASSUREX GLOBAL CORP | 175 S 3RD ST STE 800 COLUMBUS, OH 43215 | VISION SERVICE PLAN | $397 | — | $397 | 2.50% |
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 | 252 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED STATES FIRE INSURANCE COMPANY | 183 | $245K |
| Dental | DELTA DENTAL OF ILLINOIS | 238 | $12K |
| Vision | VISION SERVICE PLAN | 198 | $16K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 252 | $94K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 252 | $94K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 252 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.