| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | MEDICA INSURANCE COMPANY | $37K | — | $37K | 4.00% |
| THE HORTON GROUP3 | 340 COLUMBIA STREET SOUTH BEND, IN 46601 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | — | $15K | 14.60% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC | 1933 STATE ROUTE 35, STE 368 WALL, NJ 07719 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $5K | $5K | 4.74% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | DELTA DENTAL OF MINNESOTA | $6K | — | $6K | 9.88% |
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 | 141 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 177 | $927K |
| Dental | DELTA DENTAL OF MINNESOTA | 155 | $63K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 141 | $100K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 141 | $100K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 141 | $100K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 141 | $100K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 141 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.