| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $24K | — | $24K | 10.43% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 24500 CHAGRIN BLVD. BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $11K | $11K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD. SCHAUMBURG, IL 60173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 3.37% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY, SUITE 102 ORLAND PARK, IL 60467 | DELTA DENTAL OF WISCONSIN | $14K | — | $14K | 6.30% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS-SEE ATTACHED | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $24K | — | $24K | 23.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: ASSURANCE, A MARSH & MCLENNAN AGENC | 20 N. MARTINGALE ROAD SUITE 100 SCHAUMBURG, IL 60173 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | — | $2K | 8.02% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY, SUITE 102 ORLAND PARK, IL 60467 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | — | $2K | 8.01% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WISCONSIN | 375 | $223K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 584 | $31K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 654 | $332K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 251 | $104K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 654 | $228K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 654 | $332K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 654 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.