| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | — | BLUECROSS BLUESHIELD OF OKLAHOMA | $52K | — | $52K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | — | BLUECROSS BLUESHIELD OF OKLAHOMA | — | $1K | $1K | 0.14% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC | 340 COLUMBIA ST SOUTH BEND, IN 46601 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $265 | $14K | 7.84% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 N. KIRKWOOD ROAD STE 300 KIRKWOOD, MA 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $2K | $10K | 5.89% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $1K | $5K | 2.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FL CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | — | $162 | $162 | 0.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 6100 S. YALE AVE STE 1900 TULSA, OK 74136 | METROPOLITAN LIFE INSURANCE COMPANY | — | $59 | $59 | 0.03% |
| THE HORTON GROUP3 Filed as: HORTON GROUP INC. | 340 COLUMBIA ST. SOUTH BEND, IN 46601 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $93 | $1K | 15.47% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 N. KIRKWOOD RD. STE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $474 | $186 | $660 | 7.90% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60647 | METROPOLITAN LIFE INSURANCE COMPANY | $422 | $99 | $521 | 6.23% |
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 | 139 | 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) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 195 | $1.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 236 | $175K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 236 | $175K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 236 | $175K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 236 | $175K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 236 | $175K |
| Prescription drug | BLUECROSS BLUESHIELD OF OKLAHOMA | 195 | $1.0M |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 236 | $183K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.