| 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 | BLUECROSS BLUESHIELD OF ILLINOIS | $12K | $3K | $15K | 4.15% |
| MARSH & MCLENNAN AGENCY LLC3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | BLUECROSS BLUESHIELD OF ILLINOIS | $4K | — | $4K | 1.07% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $613 | $11K | 11.98% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BLVD. STE 365 BEACHWOOD, OH 44122 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $715 | $5K | 5.16% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $150 | $2K | 7.17% |
| N-GAGE LLC3 | 1999 PINECREST RD. SUAMICO, WI 54313 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 6.73% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BLVD. STE 365 BEACHWOOD, OH 44122 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $329 | $2K | 6.73% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $123 | $2K | 7.07% |
| N-GAGE LLC3 | 1999 PINECREST RD. SUAMICO, WI 54313 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 6.57% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BLVD. STE 365 BEACHWOOD, OH 44122 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $214 | $2K | 6.33% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $120 | $2K | 6.90% |
| N-GAGE LLC3 | 1999 PINECREST RD. SUAMICO, WI 54313 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 6.40% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BLVD. STE 365 BEACHWOOD, OH 44122 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $208 | $1K | 6.27% |
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 | 106 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 57 | $359K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 93 | $94K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 93 | $94K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 93 | $94K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 93 | $94K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 93 | $94K |
| Other(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 177 | $177K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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.