| 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 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $590 | $3K | 12.40% |
| SURE LIFE INSURANCE LLC3 | 24118 W CHICAGO ST STE 100 PLAINFIELD, IL 60544 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 5.42% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $644 | $3K | 13.06% |
| SURE LIFE INSURANCE LLC3 | 24118 W CHICAGO ST STE 100 PLAINFIELD, IL 60544 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 5.09% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $587 | $2K | 12.39% |
| SURE LIFE INSURANCE LLC3 | 24118 W CHICAGO ST STE 100 PLAINFIELD, IL 60544 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $994 | — | $994 | 6.37% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $855 | $313 | $1K | 13.06% |
| SURE LIFE INSURANCE LLC3 | 24118 W CHICAGO ST STE 100 PLAINFIELD, IL 60544 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $486 | — | $486 | 5.44% |
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 | 116 | 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) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 116 | $9K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 116 | $21K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 42 | $16K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 116 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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.