| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $52K | — | $52K | 3.83% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | P.O.BOX 632886 CINCINNATI, OH 45263 | BLUE CROSS BLUE SHIELD OF ILLINOIS | — | $2K | $2K | 0.18% |
| THE HORTON GROUP3 | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | HEALTH PARTNERS INSURANCE COMPANY | $20K | — | $20K | 3.88% |
| THE HORTON GROUP3 | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | GUARDIAN | $8K | $3K | $11K | 13.77% |
| THE HORTON GROUP3 | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $1K | $10K | 22.75% |
| THE HORTON GROUP3 | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $608 | $6K | 22.20% |
| THE HORTON GROUP3 | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $265 | $2K | 12.03% |
| THE HORTON GROUP3 | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $228 | $2K | 22.81% |
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 | 243 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 161 | $1.9M |
| Dental(2 contracts, 2 carriers) | HEALTH PARTNERS INSURANCE COMPANY | 143 | $603K |
| Vision | GUARDIAN | 143 | $77K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 243 | $36K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 37 | $13K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 243 | $44K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 243 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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.