| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HORTON GROUP3 Filed as: HORTON GROUP INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60647 | BLUE CROSS AND BLUE SHIELD OF ILLINOIS | — | $3K | $3K | 0.14% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS-SEE ATTACHED | 777 JOYCE RD JOLIET, IL 60436 | AFLAC | $46K | $559 | $46K | 15.21% |
| THE HORTON GROUP3 Filed as: HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60647 | METROPOLITAN LIFE INSURANCE COMPANY | — | $84 | $84 | 0.06% |
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 | 319 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ILLINOIS | 303 | $2.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 421 | $141K |
| Vision | EYEMED VISION CARE | 389 | $21K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 319 | $85K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 319 | $85K |
| Other(2 contracts, 2 carriers) | AFLAC | 319 | $390K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 421 | — |
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."
No prospect flags tripped on this filing.