| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $6K | $3K | $10K | 9.84% |
| MURRAY INSURANCE ASSOCIATES3 Filed as: MURRAY INSURANCE ASSOCIATES INC | 39 N DUKE STREET LANCASTER, PA 17602 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $9K | $144 | $9K | 8.82% |
| GIS BENEFITS INC3 | 107 CANDLELIGHT LN MORRIS, IL 60450 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 6.02% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $4K | $7K | 9.88% |
| MURRAY INS ASSOC INC3 | 454 NEW HOLLAND AVE SUITE 300 LANCASTER, PA 17602 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.67% |
| ASSUREX3 Filed as: ASSUREX AGENCY INC | 175 SOUTH THIRD STREET SUITE 800 COLUMBUS, OH 43215 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $401 | — | $401 | 0.58% |
| THE HUNKEN AGENCY, INC.3 | 2550 COMPASS ROAD GLENVIEW, IL 60026 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $30 | — | $30 | 0.04% |
| THE HORTON GROUP3 | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $582 | — | $582 | 6.77% |
| MURRAY INSURANCE ASSOCIATES3 Filed as: MURRAY INSURANCE ASSOC INC | 39 N DUKE STREET LANCASTER, PA 17602 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $272 | — | $272 | 3.16% |
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 | 138 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 86 | $70K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 138 | $9K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 126 | $99K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 126 | $99K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 126 | $99K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 126 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.