| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $43K | $43K | 5.18% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 340 COLUMBIA ST. SOUTH BEND, IN 46601 | SUN LIFE ASSURANCE COMPANY OF CANADA | $33K | — | $33K | 20.17% |
| THE WORKSITE GROUP LLC3 | 1900 POLARIS PARKWAY SUITE 450 COLUMBUS, OH 43240 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 4.81% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BLVD. STE 365 BEACHWOOD, OH 44122 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $8K | $8K | 4.69% |
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 | 118 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 210 | $835K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 118 | $164K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 118 | $164K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 118 | $164K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 118 | $164K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 118 | $164K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 118 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.