| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | $38K | — | $38K | 4.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 0.76% |
| MARSH & MCLENNAN AGENCY LLC3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 604675695 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $3K | $13K | 20.00% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD. STE 300 KIRKWOOD, MA 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 9.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60647 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 12.76% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 10.08% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 200 GALLERIA PARKWAY STE 1950 ATLANATA, GA 30339 | HARTFORD LIFE AND ACCIDENT | — | $484 | $484 | 1.72% |
| MARSH & MCLENNAN AGENCY LLC3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 604675695 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $412 | $2K | 22.43% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD. STE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $742 | $742 | 9.00% |
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 | 88 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 88 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 171 | $893K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 171 | $893K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 171 | $893K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 113 | $94K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 113 | $94K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 113 | $94K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 113 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.