| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | MEDICA INSURANCE COMPANY | $46K | — | $46K | 4.00% |
| THE HORTON GROUP3 | 340 COLUMBIA STREET SOUTH BEND, IN 46601 | SUN LIFE ASSURANCE COMPANY OF CANADA | $20K | — | $20K | 14.71% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD. STE 300 KIRKWOOD, MO 63122 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $6K | $6K | 4.70% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 500 W MONROE ST SUITE 3300 CHICAGO, IA 60661 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $5K | $5K | 3.60% |
| 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 | — | $76 | $76 | 0.06% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | DELTA DENTAL OF MINNESOTA | $8K | — | $8K | 9.81% |
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 | 163 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 227 | $1.2M |
| Dental | DELTA DENTAL OF MINNESOTA | 204 | $84K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 163 | $134K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 163 | $134K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 163 | $134K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 163 | $134K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 163 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.