| 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 | $25K | $1K | $26K | 4.39% |
| JENNON CARUTH3 | PO BOX 46122 EDEN PRARIE, MN 55344 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $148 | $2K | 14.12% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60647 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $111 | $2K | 9.60% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60647 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $317 | $3K | 17.08% |
| JENNON CARUTH3 | PO BOX 46122 EDEN PRARIE, MN 55344 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $662 | $51 | $713 | 5.75% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC | 10320 ORLAND PARKWAY ORLAND PARK, IL 60647 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $518 | $38 | $556 | 4.48% |
| MIDWEST CERTIFIED INSURANCE AGENCY3 | 54 W SEEGERS RD ARLINGTON HEIGHTS, IL 60005 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $105 | — | $105 | 0.85% |
| ASSUREX3 | 175 SOUTH 3RD STREET STE 800 COLUMBUS, OH 43215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $32 | $32 | 0.26% |
| ANSAY & ASSOCIATES LLC3 Filed as: ANSAY & ASSOCIATES | 2901 W BELTLINE HWY STE 202 MADISON, WI 53713 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.03% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 604675695 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $937 | $137 | $1K | 17.20% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD STE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $136 | — | $136 | 2.18% |
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 | 125 | 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) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 73 | $594K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 0 | $0 |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 0 | $0 |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 125 | $34K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 94 | $29K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 125 | $15K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 125 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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.