| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $1K | $1K | 0.07% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 N. KIRKWOOD RD. STE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $1K | $8K | 4.99% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60647 | METROPOLITAN LIFE INSURANCE COMPANY | — | $37 | $37 | 0.02% |
| BETTER BUSINESS PLANNING3 | 125 WEST ORCHARD STREET ITASCA, IL 601431764 | RELIANCE STANDARD LIFE INSURANCE | $5K | — | $5K | 6.59% |
| BETTER BUSINESS PLANNING3 Filed as: BETTER BUSINESS PLANNING INC | 125 W. ORCHARD ST ITASCA, IL 60143 | RELIANCE STANDARD LIFE INSURANCE | $3K | — | $3K | 5.81% |
| THE HORTON GROUP3 | 10320 ORLAND PKWY ORLAND PARK, IL 604675658 | VISION SERVICE PLAN | $804 | — | $804 | 6.29% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC | 10320 ORLAND PARKWAY ORLAND PARK, IL 60647 | DEARBORN LIFE INSURANCE COMPANY | $626 | $166 | $792 | 19.14% |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 282 | $2.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 440 | $153K |
| Vision | VISION SERVICE PLAN | 112 | $13K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE | 152 | $55K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE | 152 | $72K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE | 152 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 440 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.