| 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 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $73K | $2K | $75K | 3.06% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | DEARBORN LIFE INSURANCE COMPANY | $28K | — | $28K | 14.27% |
| GIS OF ILLINOIS3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | DEARBORN LIFE INSURANCE COMPANY | $12K | — | $12K | 5.99% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN | PO BOX 9201 AUSTIN, TX 78766 | DEARBORN LIFE INSURANCE COMPANY | $10K | — | $10K | 5.00% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | GUARDIAN | $7K | $221 | $7K | 33.08% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | GUARDIAN | $86 | — | $86 | 0.42% |
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 | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 488 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 400 | $2.4M |
| Dental | GUARDIAN | 183 | $21K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 195 | $199K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 195 | $199K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 195 | $199K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 195 | $199K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 195 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 400 | — |
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.