| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HORTON GROUP3 Filed as: HORTON INSURANCE AGENCY, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | KAISER FOUNDATION HEALTH PLAN INC | $19K | $0 | $19K | 1.65% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | KAISER FOUNDATION HEALTH PLAN INC | $4K | $0 | $4K | 0.33% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $41K | $13K | $54K | 9.73% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 2.65% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $34K | $988 | $35K | 15.44% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | COLONIAL LIFE AND ACCIDENT | $18K | $0 | $18K | 11.86% |
| HANNAH R. COHEN3 | 7 SALEM PLACE WHITE PLAINS, NY 10605 | COLONIAL LIFE AND ACCIDENT | $11K | $25 | $11K | 7.13% |
| ROSEMARY MILLER3 | 30 ORCHARD STREET NORWALK, CT 06850 | COLONIAL LIFE AND ACCIDENT | $2K | $5K | $7K | 4.50% |
| GIANNA DAMBROSIO3 | 23 LONGVIEW DRIVE MAHOPAC, NY 10541 | COLONIAL LIFE AND ACCIDENT | $5K | $179 | $5K | 3.08% |
| MJ INSURANCE3 Filed as: JOSHUA T. JONES AND VARIOUS AGENTS | 25 GARFIELD LANE STREAMWOOD, IL 60107 | COLONIAL LIFE AND ACCIDENT | $1K | $329 | $2K | 1.10% |
| MICHAEL FRANCIS3 | 686 EAST 234TH STREET BRONX, NY 10466 | COLONIAL LIFE AND ACCIDENT | $1K | $200 | $2K | 1.00% |
| FRANK DAMBROSIO3 | 23 LONGVIEW DRIVE MAHOPAC, NY 10541 | COLONIAL LIFE AND ACCIDENT | $467 | $57 | $524 | 0.34% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | EYEMED | $5K | $0 | $5K | 6.82% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | EYEMED | $2K | $0 | $2K | 2.27% |
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 | 1,836 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,849 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 184 | $1.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 998 | $557K |
| Vision | EYEMED | 1,274 | $68K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,546 | $382K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,546 | $227K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,546 | $227K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 184 | $1.9M |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,546 | $396K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,546 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.