| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | BLUECROSS BLUESHIELD OF ILLINOIS | $3K | — | $3K | 0.17% |
| ASSUREX3 Filed as: ASSUREX AGENCY INC | 175 S 3RD ST SUITE 800 COLUMBUS, OH 432155194 | METROPLOITAN LIFE INSURANCE COMPANY | $779 | $47 | $826 | 0.54% |
| BETTER BUSINESS PLANNING3 | 125 WEST ORCHARD STREET ITASCA, IL 601431764 | RELIANCE STANDARD LIFE INSURANCE | $5K | $3K | $7K | 10.57% |
| BETTER BUSINESS PLANNING3 Filed as: BETTER BUSINESS PLANNING INC | 125 W. ORCHARD ST ITASCA, IL 60143 | RELIANCE STANDARD LIFE INSURANCE | $3K | $2K | $5K | 9.08% |
| THE HORTON GROUP3 | 10320 ORLAND PKWY ORLAND PARK, IL 604675658 | VISION SERVICE PLAN | $837 | — | $837 | 6.72% |
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 | 322 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 322 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 322 | $2.0M |
| Dental | METROPLOITAN LIFE INSURANCE COMPANY | 560 | $154K |
| Vision | VISION SERVICE PLAN | 120 | $12K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE | 188 | $56K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE | 190 | $69K |
| Other | RELIANCE STANDARD LIFE INSURANCE | 188 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 560 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.