| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $3K | $897 | $4K | 19.59% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $1K | $408 | $2K | 20.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORTON INSURANCE AGENCY, INC. EIN 36-3672171 BROKER | Insurance agents and brokers Service code 22 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | $27K |
| ALLIED BENEFIT SYSTEMS, INC. EIN 36-3086057 TPA | Contract Administrator Service code 13 | — | $22K |
| CIGNA EIN 59-1031071 PPO | Contract Administrator Service code 13 | — | $20K |
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 | 112 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 119 | $8K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 119 | $20K |
| Stop-loss / reinsurancereinsurance | FIDELITY SECURITY LIFE INSURANCE COMPANY | 112 | $225K |
| Other | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 119 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.