| 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 | UNITED HEALTHCARE INSURANCE COMPANY | $20K | $0 | $20K | 0.87% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP IL | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | UNITED HEALTHCARE INSURANCE COMPANY | $24K | $0 | $24K | 6.12% |
| THE EMPLOYERS BENEFIT GROUP, LLC3 | 11150 SANTA MONICA BLVD SUITE 800 LOS ANGELES, CA 90025 | UNITED HEALTHCARE INSURANCE COMPANY | $15K | $0 | $15K | 3.89% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | UNITED HEALTHCARE INSURANCE COMPANY | $15K | $0 | $15K | 5.34% |
| THE EMPLOYERS BENEFIT GROUP, LLC3 | 11150 SANTA MONICA BLVD SUITE 800 LOS ANGELES, CA 90025 | UNITED HEALTHCARE INSURANCE COMPANY | $12K | $0 | $12K | 4.27% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERICAN HEALTH RESOURCES, INC. EIN 36-4448169 ADMINISTRATOR | Claims processing; Other services Service code 12 | 11 NORTH 2ND AVENUE SUITE 800 ST. CHARLES, IL 60174 | $35K |
| THE HORTON GROUP INC EIN 36-3672171 BROKER | Insurance agents and brokers Service code 22 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | $15K |
| THE EMPLOYERS BENEFIT GROUP, LLC EIN 27-3931730 BROKER | Insurance agents and brokers Service code 22 | 11150 SANTA MONICA BLVD SUITE 800 LOS ANGELES, CA 90025 | $0 |
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 | 271 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITED HEALTHCARE INSURANCE COMPANY | 271 | $2.6M |
| Dental(2 contracts) | UNITED HEALTHCARE INSURANCE COMPANY | 271 | $662K |
| Vision(2 contracts) | UNITED HEALTHCARE INSURANCE COMPANY | 271 | $2.6M |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 271 | $388K |
| Short-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 271 | $388K |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 271 | $388K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 271 | $388K |
| Other | UNITED HEALTHCARE INSURANCE COMPANY | 271 | $388K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.