| 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 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $69K | $7 | $69K | 3.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $13K | $0 | $13K | 0.60% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $7K | $20K | 4.69% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $815 | $20K | 4.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $323 | $3K | 0.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $861 | $861 | 0.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 300 SOUTH RIVERSIDE PLAZA SUITE 1920 CHICAGO, IL 60606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $853 | $0 | $853 | 0.20% |
| THE HORTON GROUP3 Filed as: HORTON INSURANCE AGENCY, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | UNITED CONCORDIA INSURANCE COMPANY | $9K | $0 | $9K | 8.32% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | UNITED CONCORDIA INSURANCE COMPANY | $467 | $0 | $467 | 0.44% |
| THE HORTON GROUP3 Filed as: HORTON INSURANCE AGENCY, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | KAISER FOUNDATION HEALTH PLAN, INC. | $3K | $0 | $3K | 4.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | KAISER FOUNDATION HEALTH PLAN, INC. | $624 | $0 | $624 | 0.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | UNUM INSURANCE COMPANY | $2K | $376 | $2K | 14.77% |
| SCOTT CLAYTON3 Filed as: SCOTT A. CLAYTON | 4603 SOUTH LAKE PARK CHICAGO, IL 60653 | UNUM INSURANCE COMPANY | $277 | $0 | $277 | 1.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 300 SOUTH RIVERSIDE PLAZA SUITE 1920 CHICAGO, IL 60606 | UNUM INSURANCE COMPANY | $134 | $0 | $134 | 0.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | UNUM INSURANCE COMPANY | $0 | $11 | $11 | 0.07% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | VISION SERVICE PLAN | $740 | $0 | $740 | 6.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $204 | $0 | $204 | 1.72% |
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 | 156 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 192 | $2.2M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 214 | $106K |
| Vision | VISION SERVICE PLAN | 106 | $12K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 156 | $431K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 156 | $431K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 156 | $431K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 192 | $2.2M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 156 | $447K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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.