| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HORTON GROUP3 Filed as: HORTON GROUP INC | 5050 LINCOLN DRIVE UNIT 460 EDINA, MN 55436 | SYMETRA LIFE INSURANCE COMPANY | — | $76K | $76K | 5.17% |
| THE HORTON GROUP3 Filed as: HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | DELTA DENTAL OF ILLINOIS | $7K | — | $7K | 3.71% |
| GROUP ADMINISTRATORS LTD3 | 915 NATIONAL PARKWAY SCHAUMBURG, IL 60173 | DELTA DENTAL OF ILLINOIS | $3K | — | $3K | 1.40% |
| MARSH & MCLENNAN AGENCY LLC3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $478 | $74 | $552 | 17.42% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $158 | — | $158 | 4.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GROUP ADMINISTRATORS, LTD EIN 36-3381052 CONTRACT ADMIN ISTRATOR | Claims processing Service code 12 | 20 N MARTINGALE RD. SUITE 290 SCHAUMBURG, IL 60173 | $189K |
| STUDIO MECHANICS LOCAL 476 EIN 36-2088664 EMPLOYER ORGAN IZATION/U | Plan Administrator; Direct payment from the plan Service code 14 | — | $138K |
| THE HORTON GROUP EIN 36-3672171 INSURANCE BROKER | Consulting (general); Insurance services; Direct payment from the plan Service code 16 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | $60K |
| WAMPLER & ASSOCIATES, LLC EIN 32-0106897 ACCOUNTANT | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $54K |
| JACOB BURNS, ORLOVE & HERNANDEZ EIN 36-2425981 LAWYER | Legal; Direct payment from the plan Service code 29 | — | $48K |
| BUCK GLOBAL, LLC EIN 83-1116912 PRESCRIPTION PLAN AUDIT | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $48K |
| COMERICA BANK EIN 36-6602783 INVESTMENT CUSTODIAN | Other services; Shareholder servicing fees; Float revenue; Custodial (securities); Investment management; Other investment fees and expenses; Other fees; Direct payment from the plan Service code 19 | — | $21K |
| FGMK, LLC EIN 36-2929601 AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $20K |
| BMI AUDIT SERVICES EIN 38-4091484 PRESCRIPTION DRUG AUDIT | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $19K |
| TED WINDSOR & ASSOCIATES EIN 36-4374704 ACTUARY | Actuarial; Direct payment from the plan Service code 11 | — | $12K |
| STRATEGIC CAPITAL INVESTMENT ADVISO EIN 36-4268991 INVESTMENT ADVISOR | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $8K |
| INTERACTIVE HEALTH BENEFITS FILING PREPARER | Accounting (including auditing); Direct payment from the plan Service code 10 | DBA ACA TRACK, LLC P.O. BOX 1285 WALLED LAKE, MI 48390 | $6K |
| ALLIANT INSURANCE SERVICES, INC EIN 33-0785439 INSURANCE | Insurance services; Direct payment from the plan Service code 23 | — | $6K |
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 | 727 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 733 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION (BLUE CROSS BLUE SHIELD) | 1,271 | $10.5M |
| Dental | DELTA DENTAL OF ILLINOIS | 249 | $183K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,932 | $142K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 3 | $3K |
| Prescription drug | HEALTH CARE SERVICE CORPORATION (BLUE CROSS BLUE SHIELD) | 1,271 | $10.5M |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 742 | $1.5M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,932 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,932 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.