| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | AMERICAN FIDELITY ASSURANCE | $26K | — | $26K | 14.00% |
| BENEFIT ADMINISTRATIVE SYSTEMS, LLC3 | 17475 JOVANNA ST HOMEWOOD, IL 60430 | AMERICAN FIDELITY ASSURANCE | $2K | — | $2K | 1.00% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $857 | $2K | 15.27% |
| THE HUNKEN AGENCY, INC.3 | 2550 COMPASS ROAD SUITE H GLENVIEW, IL 60026 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10 | — | $10 | 0.07% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | UNITED HEALTHCARE INSURANCE COMPANY | $237 | — | $237 | 99.58% |
| CAPITAL BENEFIT SERVICES, INC. Filed as: CAPITAL BENEFITS GROUP | 5006 LYNDALE AVE. SOUTH MINNEAPOLIS, MN 55419 | UNITED HEALTHCARE INSURANCE COMPANY | $166 | — | $166 | 69.75% |
| GIS OF ILLINOIS | 422 WAUPONSEE MORRIS, IL 60450 | UNITED HEALTHCARE INSURANCE COMPANY | $118 | — | $118 | 49.58% |
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 | 72 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 72 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN FIDELITY ASSURANCE | 72 | $189K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 25 | $14K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 28 | $238 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 72 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.