| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $11K | $11K | 1.45% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $44K | $116 | $44K | 8.02% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE ST CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 0.89% |
| BCS AGENCY LLC3 | PO BOX 850411 MINNEAPOLIS, MN 554850411 | VISION SERVICE PLAN | $24K | — | $24K | 7.49% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | VISION SERVICE PLAN | $11K | — | $11K | 3.31% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $29K | $116 | $29K | 9.04% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 ERIE ST STE 300 CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 0.87% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | HARTFORD LIFE AND ACCIDENT | $33K | $2K | $35K | 11.54% |
| BUSINESSSOLVER INC.3 | 1025 ASHWORTH RD SUITE 101 WEST DES MOINES, IA 60265 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $55K | — | $55K | 20.90% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $116 | $11K | 7.58% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE ST STE 300 CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 0.87% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $116 | $1K | 1.67% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE ST STE 300 CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $592 | $592 | 0.89% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | METLIFE LEGAL PLANS | $2K | — | $2K | 3.51% |
| BUSINESSOLVER.COM, INC.3 | 1025 ASHWORTH ROAD WEST DES MOINES, IA 50265 | METLIFE LEGAL PLANS | — | $791 | $791 | 1.51% |
| DATA246 LLC3 | 27864 IRMA LEE CIRCLE SUITE 104 LAKE FOREST, IL 60045 | METLIFE LEGAL PLANS | -$3K | — | -$3K | -6.30% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| QUARTZ HEALTH SOLUTIONS, INC PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 840 CAROLINA STREET SAUK CITY, WI 53583 | $731K |
| DELTA DENTAL OF WISCONSIN PLAN ADMINISTRATOR | Contract Administrator Service code 13 | 2801 HOOVER ROAD PO BOX 828 STEVENS POINT, WI 54481 | $90K |
| M3 INSURANCE SOLUTIONS INSURANCE AGENT OR BROKE | Insurance agents and brokers Service code 22 | 828 JOHN NOLEN DR MADISON, WI 53713 | $5K |
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 | 3,311 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,316 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,900 | $318K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,311 | $699K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,827 | $618K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,254 | $752K |
| Other(5 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,311 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,311 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.