| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 604675658 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $44K | $5 | $44K | 3.83% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC | 10320 ORLAND PARKWAY WESTMONT, IL 60559 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $15K | $109 | $15K | 18.96% |
| MID AMERICAN GROUP, INC.3 Filed as: MID AMERICAN GROUP | 760 PASQUINELLI DRIVE STE 358 WESTMONT, IL 60559 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 4.80% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | GUARDIAN LIFE INSURANCE CO OF AMERICA | $6K | — | $6K | 9.63% |
| MID AMERICAN GROUP, INC.3 Filed as: MID AMERICAN GROUP | 760 PASQUINELLI DRIVE STE 358 WESTMONT, IL 60564 | GUARDIAN LIFE INSURANCE CO OF AMERICA | — | $2K | $2K | 4.28% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | GUARDIAN LIFE INSURANCE CO OF AMERICA | $216 | — | $216 | 0.37% |
| THE HUNKEN AGENCY, INC.3 | 2550 COMPASS ROAD SUITE H GLENVIEW, IL 60026 | GUARDIAN LIFE INSURANCE CO OF AMERICA | $56 | — | $56 | 0.10% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 604675658 | VISION SERVICE PLAN | $804 | — | $804 | 10.00% |
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 | 150 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 255 | $1.1M |
| Dental | GUARDIAN LIFE INSURANCE CO OF AMERICA | 65 | $58K |
| Vision | VISION SERVICE PLAN | 80 | $8K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 149 | $77K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 149 | $77K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 149 | $77K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 149 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.