| 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 | $160K | $3K | $163K | 4.07% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $397 | $15K | 15.42% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 5.00% |
| UKG INC3 Filed as: UKG INC. | PO BOX 930953 ATLANTA, GA 31193 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 3.00% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $312 | $10K | 15.50% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| UKG INC3 | PO BOX 930953 ATLANTA, GA 31193 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 3.00% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $279 | $10K | 15.45% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| UKG INC3 | PO BOX 930953 ATLANTA, GA 31193 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 3.00% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22K | $2K | $24K | 51.50% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.00% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $225 | $6K | 15.64% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| UKG INC3 Filed as: UKG INC. | PO BOX 930953 ATLANTA, GA 31193 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 3.00% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 604675658 | VISION SERVICE PLAN | $3K | — | $3K | 9.99% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $177 | $4K | 20.84% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $169 | $4K | 20.98% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $866 | $866 | 5.00% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $364 | $124 | $488 | 20.13% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $121 | $121 | 4.99% |
| UKG INC3 Filed as: UKG INC. | PO BOX 930953 ATLANTA, GA 31193 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $73 | $73 | 3.01% |
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 | 488 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 490 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 427 | $4.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 326 | $46K |
| Vision | VISION SERVICE PLAN | 256 | $35K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 488 | $98K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 92 | $62K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 489 | $96K |
| Other(4 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 488 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 489 | — |
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.