| 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 | BLUECROSS BLUESHIELD OF ILLINOIS | $86K | $7K | $93K | 2.38% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC | 1001 LAKESIDE AVENUE SUITE 1500 CLEVELAND, OH 44114 | BLUECROSS BLUESHIELD OF ILLINOIS | $41K | — | $41K | 1.04% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $7K | $19K | 11.74% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 400 N EXECUTIVE DR STE 300 BROOKFIELD, WI 53005 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 2.00% |
| THE HORTON GROUP3 Filed as: HORTON GROUP INC (THE) | 500 WEST MONROE, SUITE 2630 CHICAGO, IL 60661 | BLUECROSS BLUESHIELD OF ILLINOIS | $3K | — | $3K | 8.95% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 35371 NETWORK PLACE CHICAGO, IL 60673 | BLUECROSS BLUESHIELD OF ILLINOIS | $2K | — | $2K | 5.16% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 500 N AKARD STREET STE 4300 DALLAS, TX 75201 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $61 | $61 | 0.21% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60647 | METLIFE LEGAL PLANS | $311 | $17 | $328 | 6.48% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 35371 NETWORK PL CHICAGO, IL 60673 | METLIFE LEGAL PLANS | $174 | — | $174 | 3.44% |
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 | 537 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 538 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 337 | $3.9M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 337 | $3.9M |
| Vision | BLUECROSS BLUESHIELD OF ILLINOIS | 181 | $29K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 462 | $160K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 462 | $160K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 462 | $160K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 462 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 462 | — |
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.