| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC | 10320 ORLAND PARKWAY ORLAND PARK, IL 604675658 | BLUECROSS BLUESHIELD OF ILLINOIS | $124K | $2K | $126K | 3.31% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 604675658 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $6K | $21K | 13.41% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 604675658 | VISION SERVICE PLAN | $1K | — | $1K | 6.01% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC | 10320 ORLAND PARKWAY ORLAND PARK, IL 604675658 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $118 | $2K | 23.29% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $432 | $151 | $583 | 7.35% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60647 | METLIFE LEGAL PLANS | $798 | — | $798 | 18.91% |
| MARC JACOBSON3 Filed as: MARC J JACOBSON | 425 HUEHL ROAD BUILDING 16B NORTHBROOK, IL 60062 | METLIFE LEGAL PLANS | $260 | — | $260 | 6.16% |
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 | 397 | 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) | 397 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 384 | $3.8M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 384 | $3.8M |
| Vision | VISION SERVICE PLAN | 177 | $17K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 397 | $155K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 397 | $155K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 397 | $155K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 397 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 397 | — |
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.