| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | — | BLUECROSS BLUESHIELD OF ILLINOIS | $117K | $10K | $127K | 5.43% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | $8K | $29K | 17.11% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD STE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $8K | $8K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $1K | $6K | 3.32% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 10.00% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC | 500 W. MONROE ST. SUITE 3300 CHICAGO, IL 60661 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 2.58% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | UNITEDHEALTHCARE INSURANCE COMPANY | $17K | — | $17K | 23.64% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | VISION SERVICE PLAN | $1K | — | $1K | 8.34% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN COMPANIES, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IA 60467 | VISION SERVICE PLAN | $278 | — | $278 | 1.69% |
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 | 296 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 299 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 398 | $2.3M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 191 | $92K |
| Vision | VISION SERVICE PLAN | 168 | $16K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 296 | $71K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 282 | $170K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 282 | $170K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 296 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 398 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.