| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HORTON GROUP3 Filed as: HORTON INSURANCE AGENCY, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | KAISER FOUNDATION HEALTH PLAN INC | $4K | — | $4K | 2.47% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62949 VIRGINIA BEACH, VA 23466 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 1.15% |
| USI INSURANCE SERVICES LLC3 | — | GUARDIAN | — | $771 | $771 | 0.78% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 6.23% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62817 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 5.40% |
| ADP INC3 Filed as: ADP, INC. | PO BOX 711 PORTLAND, OR 97207 | STANDARD INSURANCE COMPANY | — | $927 | $927 | 2.09% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 7.56% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62817 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 4.91% |
| ADP INC3 Filed as: ADP, INC. | PO BOX 711 PORTLAND, OR 97207 | STANDARD INSURANCE COMPANY | — | $580 | $580 | 1.84% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 5.76% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 4.97% |
| ADP INC3 Filed as: ADP INC. | PO BOX 711 PORTLANT, OR 97207 | STANDARD INSURANCE COMPANY | — | $440 | $440 | 1.94% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62817 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $909 | — | $909 | 12.24% |
| ADP INC3 Filed as: ADP INC. | PO BOX 711 PORTLAND, OR 97207 | STANDARD INSURANCE COMPANY | — | $187 | $187 | 2.52% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | STANDARD INSURANCE COMPANY | $11 | — | $11 | 0.15% |
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 | 147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | GRAVIE, INC. | 131 | $1.2M |
| Dental | GUARDIAN | 167 | $99K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 178 | $11K |
| Life insurance | STANDARD INSURANCE COMPANY | 147 | $23K |
| Short-term disability | STANDARD INSURANCE COMPANY | 52 | $31K |
| Long-term disability | STANDARD INSURANCE COMPANY | 94 | $44K |
| Prescription drug(2 contracts, 2 carriers) | GRAVIE, INC. | 131 | $1.2M |
| Other | STANDARD INSURANCE COMPANY | 147 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.