| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOTAL BENEFIT CONSULTANTS, INC.3 Filed as: TOTAL BENEFIT CONSULTANTS | 181 WAUKEGAN ROAD SUITE 115 NORTHFIELD, IL 60093 | BLUECROSS BLUESHIELD OF ILLINOIS | $93K | $2K | $95K | 2.61% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | BLUECROSS BLUESHIELD OF ILLINOIS | $34K | $0 | $34K | 0.93% |
| TOTAL BENEFIT CONSULTANTS, INC.3 | PO BOX 8559 NORTHFIELD, IL 60093 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 2.88% |
| THE HORTON GROUP3 Filed as: HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $367 | $2K | 0.67% |
| TOTAL BENEFIT CONSULTANTS, INC.3 | 181 WAUKEGAN ROAD SUITE 115 NORTHFIELD, IL 60093 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $0 | $3K | 12.76% |
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 | 411 | Currently employed and enrolled or eligible. |
| Beneficiaries receiving benefits | 1 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 412 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 698 | $3.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 784 | $275K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 784 | $275K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 267 | $26K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 784 | $275K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 784 | — |
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."
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.