| 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 | $48K | $1K | $49K | 1.95% |
| MARSH & MCLENNAN AGENCY LLC3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $34K | — | $34K | 1.35% |
| THE HORTON GROUP3 Filed as: HORTON GROUP INC | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | DELTA DENTAL OF ILLINOIS | $5K | — | $5K | 0.74% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | RELIANCE MATRIX | $10K | — | $10K | 5.43% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $3K | $11K | 21.23% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN COMPANIES, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | VISION SERVICE PLAN | $1K | — | $1K | 6.91% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | VISION SERVICE PLAN | $160 | — | $160 | 0.94% |
| THE HORTON GROUP3 Filed as: HORTON GROUP INC | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 20.01% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $579 | $218 | $797 | 20.66% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $193 | — | $193 | 5.00% |
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 | 222 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 284 | $2.5M |
| Dental | DELTA DENTAL OF ILLINOIS | 137 | $698K |
| Vision | VISION SERVICE PLAN | 105 | $17K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 222 | $52K |
| Long-term disability | RELIANCE MATRIX | 153 | $176K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 284 | $2.5M |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 222 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 284 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.