| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HORTON GROUP3 Filed as: HORTON GROUP INC THE | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | — | $12K | 6.69% |
| INTEGRITY BENEFIT PARTNERS, INC3 Filed as: INTEGRITY BENEFIT PARTNERS INC | 9511 ANGOLA CT STE 263 INDIANAPOLIS, IN 46268 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 4.58% |
| RAVE BENEFITS, PLLC3 | 16020 SERENE FLEMING TRCE AUSTIN, TX 78728 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 4.33% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP,INC-TOM CASSADY | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | DELTA DENTAL OF OHIO | $2K | — | $2K | 1.68% |
| LYDIA C CLARK3 Filed as: LYDIA CLARK | 11882 PINE MEADOW CIR FISHERS, IN 46037 | DELTA DENTAL OF OHIO | $1K | — | $1K | 1.17% |
| RAVE BENEFITS, PLLC3 Filed as: RAVE BENEFITS, PLLC KATELYNN THAIN | 16020 SERENE FLEMING TRCE AUSTIN, TX 78728 | DELTA DENTAL OF OHIO | $1K | — | $1K | 1.17% |
| THE HORTON GROUP | 10320 ORLAND PKWY ORLAND PARK, IL 604675658 | VISION SERVICE PLAN | $972 | — | $972 | 5.02% |
| 879RAVE BENEFITS, PLLC | 16020 SERENE FLEMING TRACE AUSTIN, TX 78728 | VISION SERVICE PLAN | $482 | — | $482 | 2.49% |
| 884INTEGRITY BENEFIT PARTNERS | 8500 E 116TH ST BOX 370 FISHERS, IN 46038 | VISION SERVICE PLAN | $482 | — | $482 | 2.49% |
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 | 200 | 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) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 321 | $99K |
| Vision | VISION SERVICE PLAN | 149 | $19K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 200 | $180K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 200 | $180K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 200 | $180K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 200 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 321 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.