| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WESTLAKE FINANCIAL GROUP INC3 Filed as: WESTLAKE FINANCIAL GROUP | 2345 WAUKEGAN ROAD SUITE 140 BANNOCKBURN, IL 60015 | RELIASTAR LIFE INSURANCE COMPANY | — | $106K | $106K | 15.00% |
| WESTLAKE FINANCIAL GROUP INC3 Filed as: WESTLAKE FINANCIAL GROUP, INC | 2345 WAUKEGAN ROAD SUITE 140 BANNOCKBURN, IL 600151552 | PRINCIPAL LIFE INSURANCE COMPANY | — | $74K | $74K | 20.00% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | HARTFORD LIFE AND ACCIDENT | — | $34K | $34K | 11.00% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC | 10328 ORLAND PARKWAY ORLAND PARK, IL 60467 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 0.59% |
| WESTLAKE FINANCIAL GROUP INC3 Filed as: WESTLAKE FINANCIAL GROUJP | 2345 WAUKEGAN ROAD SUITE 140 BANNOCKBURN, IL 60015 | RELIASTAR LIFE INSURANCE COMPANY | — | $33K | $33K | 17.98% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC | 233 S. WACKER DRIVE SUITE 1800 CHICAGO, IL 60606 | RELIASTAR LIFE INSURANCE COMPANY | — | $26K | $26K | 13.92% |
| WESTLAKE FINANCIAL GROUP INC3 Filed as: WESTLAKE FINANCIAL GROUP | 2345 WAUKEGAN ROAD SUITE 140 BANNOCKBURN, IL 60015 | RELIASTAR LIFE INSURANCE COMPANY | — | $829K | $829K | 637.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| QUARTZ HEALTH SOLUTIONS, INCL PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 840 CAROLINA STREET SAUK CITY, WI 53583 | $652K |
| DELTA DENTAL OF ILLINOIS PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 111 SHUMAN BOULEVARD NAPERVILLE, IL 60563 | $92K |
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 | 3,087 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 3,102 | Active + retired/separated + beneficiaries. No dependents. |
No Schedule A insurance contracts on this filing — typical of fully self-funded plans, where the only headcount is the Form 5500 number above.
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.