| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | DELTA DENTAL OF IOWA | $4K | $924 | $5K | 6.86% |
| THE HORTON GROUP3 Filed as: HORTON GROUP INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $563 | $3K | 21.63% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $823 | $208 | $1K | 7.35% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY #102 ORLAND PARK, IL 60647 | EYEMED VISION CARE | $351 | — | $351 | 3.10% |
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 | 149 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK, INC. | 117 | $2.1M |
| Dental | DELTA DENTAL OF IOWA | 96 | $69K |
| Vision | EYEMED VISION CARE | 186 | $11K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 401 | $14K |
| Prescription drug | WELLMARK, INC. | 117 | $2.1M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 401 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 401 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.