| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 606475658 | BLUECROSS BLUESHIELD OF ILLINOIS | $100K | — | $100K | 3.30% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTION CENTER DRIVE CHICAGO, IL 606930001 | BLUECROSS BLUESHIELD OF ILLINOIS | $20K | $25K | $45K | 1.47% |
| JOSHUA T JONES3 | 25 GARFIELD LANE STREAMWOOD, IL 60107 | AFLAC | $7K | — | $7K | 12.28% |
| ANTHONY MIEZIO3 Filed as: ANTHONY E MIEZIO | 50 NORTHGATE ROAD RIVERSIDE, IL 60546 | AFLAC | $7K | — | $7K | 11.69% |
| JEFFREY B FELTER3 | 5403 COMMONWEALTH AVENUE WESTERN SPRINGS, IL 60558 | AFLAC | $3K | $40 | $3K | 5.46% |
| STEPHEN GOLEMBIEWSKI3 | 228 OAK AVENUE WESTMONT, IL 60559 | AFLAC | $2K | $200 | $2K | 4.08% |
| MICHAEL E MCCARTHY3 | P.O. BOX 1047 DUNDEE, IL 60118 | AFLAC | $2K | — | $2K | 3.86% |
| TODD A LENTSCH3 Filed as: TODD LENTSCH | 5105 TOLLVIEW DRIVE SUITE 285 ROLLING MEADOWS, IL 60008 | AFLAC | $2K | $95 | $2K | 3.21% |
| JOSEPH P CALARCO3 Filed as: JOSEPH CHAVEZ | 1661 VALLEY FORGE COURT APARTMENT C WHEATON, IL 60189 | AFLAC | $681 | — | $681 | 1.17% |
| J B ERICSON & ASSOCIATES INC3 Filed as: J B ERICSON & ASSOCIATES INC. | 311 STONELEIGH LANE OSWEGO, IL 60543 | AFLAC | $630 | — | $630 | 1.09% |
| DEAN R LOPPNOW3 | 4524 CAPSTAN DRIVE HOFFMAN ESTATES, IL 60192 | AFLAC | $116 | — | $116 | 0.20% |
| LYNN S LOPPNOW3 | 4524 CAPSTAN DRIVE HOFFMAN ESTATES, IL 60192 | AFLAC | $91 | — | $91 | 0.16% |
| JOSHUA J PARISE3 | 7325 JANES AVENUE WOODRIDGE, IL 60517 | AFLAC | $58 | — | $58 | 0.10% |
| MICHAEL A ORTIZ3 | 3129 RENARD LANE SAINT CHARLES, IL 60175 | AFLAC | $48 | — | $48 | 0.08% |
| ELIZABETH M GASPAROVIC3 | 28 NORTH SMITH STREET PALATINE, IL 60067 | AFLAC | $30 | — | $30 | 0.05% |
| MIKE S GAYNOR3 Filed as: MIKE GAYNOR | 8672 SHORE WAY DRIVE SOUTHWEST BYRON CENTER, MI 49315 | AFLAC | $17 | — | $17 | 0.03% |
| MICHAEL I STONESIFER3 | 315 OASIS DRIVE DENISON, TX 75020 | AFLAC | $16 | — | $16 | 0.03% |
| NASCA & ASSOCIATES3 Filed as: NASCA AND ASSOCIATES LTD | 303 WEST ERIE STREET SUITE 400 CHICAGO, IL 60654 | AFLAC | $12 | — | $12 | 0.02% |
| BILLY MICHAEL HENDERSON3 | 7101 CHASE OAKS BOULEVARD APARTMENT 1815 PLANO, TX 75025 | AFLAC | $8 | — | $8 | 0.01% |
| GREGORY J SHARP3 | 702 EAST 5TH STREET COAL VALLEY, IL 61240 | AFLAC | $8 | — | $8 | 0.01% |
| CHRISTOPHER RYAN CORDON3 | 2019 NORTH MAIN STREET APARTMENT 204B WHEATON, IL 60187 | AFLAC | $7 | — | $7 | 0.01% |
| MARK D BARBIER3 | 24 CROYDON LANE OAK BROOK, IL 60523 | AFLAC | $2 | — | $2 | 0.00% |
| TODD DEVOSS3 Filed as: TODD C DEVOSS | 321 NORTH CLARK STREET SUITE 625 CHICAGO, IL 60654 | AFLAC | $1 | — | $1 | 0.00% |
| CHRISTINE L BREWSTER3 | 1312 FARLEY LANE CHAMPAIGN, IL 61822 | AFLAC | $1 | — | $1 | 0.00% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 22.68% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3390 UNIVERSITY AVENUE SUITE 330 RIVERSIDE, CA 92501 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 6.70% |
| UNITED CEREBRAL PALSY SEGUIN3 | 3100 SOUTH CENTRAL AVENUE CICERO, IL 60804 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 2.39% |
| FLEXIBLE BENEFIT SERVICE CORP3 Filed as: FLEXIBLE BENEFIT SERVICE | 8700 WEST BRYN MAWR AVENUE SUITE 1010S CHICAGO, IL 60631 | STANDARD INSURANCE COMPANY | $406 | — | $406 | 0.82% |
| UNITED CEREBRAL PALSY SEGUIN3 | 3100 SOUTH CENTRAL AVENUE CICERO, IL 60804 | STANDARD INSURANCE COMPANY | — | $820 | $820 | 2.31% |
| FLEXIBLE BENEFIT SERVICE CORP3 Filed as: FLEXIBLE BENEFIT SERVICE | 8700 WEST BRYN MAWR AVENUE SUITE 1010S CHICAGO, IL 60631 | STANDARD INSURANCE COMPANY | $292 | — | $292 | 0.82% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 604675658 | VISION SERVICE PLAN | $2K | — | $2K | 7.57% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTION CENTER DRIVE CHICAGO, IL 606930001 | VISION SERVICE PLAN | $210 | — | $210 | 0.66% |
| ANTHONY MIEZIO3 Filed as: ANTHONY E MIEZIO | 345 EAST BURLINGTON STREET SUITE B2 RIVERSIDE, IL 60546 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 63.43% |
| FLEXIBLE BENEFIT SERVICE CORP3 Filed as: FLEXIBLE BENEFIT SERVICE | 8700 WEST BRYN MAWR AVENUE SUITE 1010S CHICAGO, IL 60631 | STANDARD INSURANCE COMPANY | $609 | — | $609 | 4.89% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | STANDARD INSURANCE COMPANY | $84 | — | $84 | 0.67% |
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 | 506 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 511 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 411 | $3.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 317 | $56K |
| Vision | VISION SERVICE PLAN | 250 | $32K |
| Life insurance | STANDARD INSURANCE COMPANY | 506 | $49K |
| Short-term disability | AFLAC | 125 | $58K |
| Long-term disability | STANDARD INSURANCE COMPANY | 506 | $35K |
| Other | STANDARD INSURANCE COMPANY | 506 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 506 | — |
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 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.