| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | BLUECROSS BLUESHIELD OF ILLINOIS | $30K | — | $30K | 2.22% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | BLUECROSS BLUESHIELD OF ILLINOIS | $23K | $2K | $25K | 1.86% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $1K | $17K | 12.80% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BLVD STE 365 BEACHWOOD, OH 44122 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $1K | $8K | 5.77% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $144 | $1K | 8.08% |
| N-GAGE LLC3 | 1999 PINECREST ROAD SUAMICO, WI 54313 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $2 | $1K | 7.23% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | METROPOLITAN LIFE INSURANCE COMPANY | $778 | $119 | $897 | 6.87% |
| N-GAGE LLC3 | 1999 PINECREST ROAD SUAMICO, WI 54313 | METROPOLITAN LIFE INSURANCE COMPANY | $778 | $1 | $779 | 5.97% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | METROPOLITAN LIFE INSURANCE COMPANY | $663 | $77 | $740 | 10.22% |
| N-GAGE LLC3 | 1999 PINECREST ROAD SUAMICO, WI 54313 | METROPOLITAN LIFE INSURANCE COMPANY | $663 | — | $663 | 9.15% |
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 | 318 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 318 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 138 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 318 | $132K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 318 | $132K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 318 | $132K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 318 | $132K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 318 | $132K |
| Other(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 318 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 318 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.