| 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 | $2K | $7K | $9K | 5.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8605 BROADWAY, SUITE A MERRILLVILLE, IN 46410 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 3.62% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 2.51% |
| MEYERS GLAROS GROUP LLC3 Filed as: MEYERS GLAROS LLC | 8605 BROADWAY MERRILLVILLE, IN 46410 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 2.08% |
| ERENIA CASTELLANOS3 | 14628 CAPITAL DRIVE PLAINFIELD, IL 60544 | AFLAC | $3K | $116 | $4K | 8.67% |
| ERNESTO GONZALEZ3 | 14628 CAPITAL DRIVE PLAINFIELD, IL 60544 | AFLAC | $3K | $186 | $3K | 8.44% |
| MARCIN ZUREK3 | 210 DES PLAINES AVENUE, UNIT D FOREST PARK, IL 60130 | AFLAC | $2K | $64 | $2K | 4.70% |
| JILLIAN M OVERBECK3 Filed as: JILLIAN M. OVERBECK | 1033 SOUTH BOULEVARD OAK PARK, IL 60302 | AFLAC | $1K | $64 | $1K | 2.83% |
| ZUREK & ASSOCIATES LLC3 Filed as: ZUREK AND ASSOCIATES LLC | 210 DES PLAINES AVENUE, UNIT D FOREST PARK, IL 60130 | AFLAC | $47 | $0 | $47 | 0.12% |
| OVERBECK INSURANCE SERVICES3 | 1033 SOUTH BOULEVARD OAK PARK, IL 60302 | AFLAC | $23 | $0 | $23 | 0.06% |
| MEYERS GLAROS GROUP LLC3 Filed as: MEYERS GLAROS LLC | 8605 BROADWAY MERRILLVILLE, IN 46410 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 11.43% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 6.84% |
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 268 | $146K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 220 | $64K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 220 | $64K |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 220 | $105K |
| Short-term disability | AFLAC | 57 | $41K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 143 | $22K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 268 | $146K |
| Other | AFLAC | 57 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.