| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | BLUE CROSS BLUESHIELD OF ILLINOIS | — | $3K | $3K | 0.10% |
| THE HORTON GROUP3 | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | UNITED OF OMAHA LIFE INSURANCE CO | $13K | $4K | $16K | 19.27% |
| THE HORTON GROUP3 | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 4.03% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 4.26% |
| THE HORTON GROUP3 | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | UNITED OF OMAHA LIFE INSURANCE | — | $4K | $4K | 14410.34% |
| THE HORTON GROUP3 | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $279 | $279 | 1268.18% |
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 | 374 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 378 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUESHIELD OF ILLINOIS | 653 | $3.2M |
| Dental | DELTA DENTAL OF ILLINOIS | 324 | $31K |
| Vision | VISION SERVICE PLAN | 272 | $29K |
| Life insurance(3 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 374 | $117K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 183 | $54K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE CO | 148 | $85K |
| Other(3 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 374 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 653 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.