| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC | — | BLUECROSS BLUESHIELD OF ILLINOIS | $55K | — | $55K | 3.07% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | BLUECROSS BLUESHIELD OF ILLINOIS | $14K | $2K | $16K | 0.91% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | RELIANCE MATRIX | $32K | — | $32K | 12.46% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 11.76% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BLVD. STE 365 BEACHWOOD, OH 44122 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $4K | $4K | 4.92% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 500 W. MONROE ST. SUITE 3300 CHICAGO, IL 60661 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 3.10% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY, # 102 ORLAND PARK, IL 60467 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $956 | — | $956 | 8.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: ASSURANCE, A MARSH & MCLENNAN AGENC | 20 N. MARTINGALE ROAD SUITE 100 SCHAUMBURG, IL 60173 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $209 | — | $209 | 1.77% |
| ASSUREX3 Filed as: ASSUREX GLOBAL CORPORATION-EXCHANGE | 175 SOUTH THIRD ST. STE 800 COLUMBUS, OH 43215 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $146 | — | $146 | 1.24% |
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 | 110 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 198 | $1.8M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 50 | $72K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 119 | $12K |
| Life insurance | RELIANCE MATRIX | 105 | $261K |
| Short-term disability | RELIANCE MATRIX | 105 | $261K |
| Long-term disability | RELIANCE MATRIX | 105 | $261K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 198 | $1.8M |
| Other(2 contracts, 2 carriers) | RELIANCE MATRIX | 105 | $333K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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.