| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $41K | $41K | 2.58% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $41K | $41K | 2.58% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 4386 MISSOULA, MT 59806 | REGENCY BLUESHIELD OF IDAHO, INC. | $21K | — | $21K | 2.43% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | REGENCY BLUESHIELD OF IDAHO, INC. | $7K | — | $7K | 0.84% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | DELTA DENTAL OF WISCONSIN | $8K | — | $8K | 6.48% |
| MARSH & MCLENNAN AGENCY LLC3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $6K | $17K | 23.84% |
| MARSH & MCLENNAN AGENCY LLC3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $3K | $12K | 20.55% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET SUITE 1200 CONSHOHOCKEN, PA 19428 | BLUE CROSS & BLUE SHIELD OF WISCONSIN | $5K | — | $5K | 9.34% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | BLUE CROSS & BLUE SHIELD OF WISCONSIN | $2K | — | $2K | 3.42% |
| MARSH & MCLENNAN AGENCY LLC3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $8K | 19.12% |
| MARSH & MCLENNAN AGENCY LLC3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 12.40% |
| MARSH & MCLENNAN AGENCY LLC3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 11.71% |
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 | 346 | 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) | 346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 239 | $2.5M |
| Dental | DELTA DENTAL OF WISCONSIN | 222 | $123K |
| Vision | BLUE CROSS & BLUE SHIELD OF WISCONSIN | 304 | $54K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 346 | $102K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 260 | $70K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 86 | $47K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 346 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 346 | — |
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.