| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $4K | $8K | 10.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER BENEFIT SERVICES | 4933 LINCOLN AVE LISLE, IL 60532 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $899 | — | $899 | 1.14% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | LINCOLN FINANCIAL GROUP | $7K | — | $7K | 11.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER BENEFIT SERVICES | 750 WARRENMILLE RD STE 400 LISLE, IL 60532 | LINCOLN FINANCIAL GROUP | $2K | — | $2K | 3.76% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 604675658 | VISION SERVICE PLAN | $1K | — | $1K | 4.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER BENEFIT SERVICES | 750 WARRENMILLE RD STE 400 LISLE, IL 60532 | VISION SERVICE PLAN | $77 | — | $77 | 0.24% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | LINCOLN FINANCIAL GROUP | $2K | — | $2K | 7.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER BENEFIT SERVICES | 750 WARRENVILLE RD STE 400 LISLE, IL 60532 | LINCOLN FINANCIAL GROUP | $2K | — | $2K | 7.35% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | LINCOLN FINANCIAL GROUP | $2K | $61 | $2K | 13.06% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MISS, IL 60450 | LINCOLN FINANCIAL GROUP | $0 | $882 | $882 | 7.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER BENEFIT SERVICES | 750 WARRENVILLE RD SUITE 400 LISLE, IL 60532 | LINCOLN FINANCIAL GROUP | $302 | — | $302 | 2.43% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | LINCOLN FINANCIAL GROUP | $457 | $12 | $469 | 13.11% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | LINCOLN FINANCIAL GROUP | $358 | $100 | $458 | 12.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER BENEFIT SERVICES | 750 WARRENVILLE RD SUITE 400 LISLE, IL 60532 | LINCOLN FINANCIAL GROUP | $79 | — | $79 | 2.21% |
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 | 553 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 553 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 317 | $79K |
| Vision | VISION SERVICE PLAN | 318 | $32K |
| Life insurance | LINCOLN FINANCIAL GROUP | 553 | $61K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 317 | $79K |
| Long-term disability | LINCOLN FINANCIAL GROUP | 224 | $29K |
| Stop-loss / reinsurancereinsurance | US FIRE INSURANCE | 435 | $387K |
| Other(3 contracts) | LINCOLN FINANCIAL GROUP | 553 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 553 | — |
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.