| 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 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $55K | $3K | $58K | 4.07% |
| THE HORTON GROUP3 Filed as: OLSON, KENNETH/THE HORTON GROUP | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | HEALTH PARTNERS INSURANCE COMPANY | $21K | $24 | $21K | 3.88% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | GUARDIAN | $9K | $4K | $13K | 14.73% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | THE LINCOLN NATIONAL LIFE ISURANCE COMPANY | $5K | $2K | $7K | 21.23% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | THE LINCOLN NATIONAL LIFE ISURANCE COMPANY | $5K | $0 | $5K | 15.00% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | THE LINCOLN NATIONAL LIFE ISURANCE COMPANY | $3K | $1K | $4K | 21.41% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | THE LINCOLN NATIONAL LIFE ISURANCE COMPANY | $812 | $0 | $812 | 15.00% |
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 | 239 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 239 | 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 | 163 | $2.0M |
| Dental(2 contracts, 2 carriers) | HEALTH PARTNERS INSURANCE COMPANY | 168 | $621K |
| Vision | GUARDIAN | 168 | $90K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE ISURANCE COMPANY | 239 | $37K |
| Short-term disability | THE LINCOLN NATIONAL LIFE ISURANCE COMPANY | 48 | $17K |
| Long-term disability | THE LINCOLN NATIONAL LIFE ISURANCE COMPANY | 239 | $31K |
| Other | THE LINCOLN NATIONAL LIFE ISURANCE COMPANY | 239 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.