| 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 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $55K | — | $55K | 9.33% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: METROPOLITAN LIFE INSURANCE COMPANY | 501 US HIGHWAY 22, 2ND FLOOR WEST BRIDGEWATER, NJ 08807 | METROPOLITAN LIFE INSURANCE | $0 | — | $0 | 0.00% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | SUN LIFE ASSURANCE COMPANY OF CANADA | $19K | — | $19K | 14.14% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | VISION SERVICE PLAN | $1K | — | $1K | 10.00% |
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 | 126 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 125 | $586K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE | 529 | $275K |
| Vision | VISION SERVICE PLAN | 163 | $13K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 191 | $133K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 191 | $133K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 191 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 529 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.