| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60647 | BLUECROSS BLUESHIELD OF ILLINOIS | $29K | $2K | $30K | 4.02% |
| GLACIER GROUP LLC3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $5K | — | $5K | 0.68% |
| JENNON CARUTH3 | 7825 WASHINGTON AVE SE BLOOMINGTON, MN 55439 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $382 | $5K | 26.24% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60647 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $362 | $4K | 22.64% |
| ANSAY & ASSOCIATES LLC3 Filed as: ANSAY & ASSOCIATES | 2901 W BELTLINE HWY STE 202 MADISON, WI 53713 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $126 | — | $126 | 0.65% |
| MIDWEST CERTIFIED INSURANCE AGENCY3 | 54 W SEEGERS RD ARLINGTON HEIGHTS, IL 60005 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8 | — | $8 | 0.04% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC | 10320 ORLAND PARKWAY ORLAND PARK, IL 60647 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $260 | $3K | 20.10% |
| JENNON CARUTH3 | 7825 WASHINGTON AVE SE BLOOMINGTON, MN 55439 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $183 | $3K | 14.99% |
| ASSUREX3 | 175 SOUTH 3RD STREET STE 800 COLUMBUS, OH 43215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $217 | $217 | 1.25% |
| ANSAY & ASSOCIATES LLC3 Filed as: ANSAY & ASSOCIATES | 2901 W BELTLINE HWY STE 202 MADISON, WI 53713 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $208 | — | $208 | 1.20% |
| MIDWEST CERTIFIED INSURANCE AGENCY3 | 54 W SEEGERS RD ARLINGTON HEIGHTS, IL 60005 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $132 | — | $132 | 0.76% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60647 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $523 | $3K | 18.68% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 604675695 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $987 | $263 | $1K | 23.81% |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 82 | $757K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 0 | $0 |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 0 | $0 |
| Life insurance(3 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 132 | $37K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 130 | $37K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 132 | $14K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 132 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.