| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HORTON GROUP3 | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | KAISER FOUNDATION HEALTH PLAN INC | $55K | — | $55K | 3.37% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN INC | $5K | — | $5K | 0.33% |
| THE HORTON GROUP3 | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | UNITED HEALTHCARE INSURANCE COMPANY | $23K | — | $23K | 3.00% |
| THE HORTON GROUP3 Filed as: THE HORTON GREOUP | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | GUARDIAN | $14K | $9K | $23K | 10.36% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD, SUITE 300 KIRKWOOD, MO 63122 | GUARDIAN | $10K | — | $10K | 4.62% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | GUARDIAN | $1K | — | $1K | 0.54% |
| N-GAGE LLC3 Filed as: N-GAGE LLC LLC | 1999 PINE CREST RD GREEN BAY, WI 54313 | GUARDIAN | -$4 | — | -$4 | -0.00% |
| THE HORTON GROUP3 | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 12.52% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD, SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $972 | — | $972 | 2.48% |
| THE HORTON GROUP3 | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 12.48% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD, SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $595 | — | $595 | 2.52% |
| THE HORTON GROUP3 Filed as: THE HORTON GREOUP | 10320 ORLAND PKWY # 102 ORLAND PARK, IL 60467 | EYEMED VISION CARE | $1K | — | $1K | 8.38% |
| THE HORTON GROUP3 | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 12.52% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD, SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $665 | $665 | 5.00% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $331 | — | $331 | 2.49% |
| THE HORTON GROUP3 | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.57% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD, SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $523 | $523 | 5.00% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUIE 200 WALNUT CREEK, CA 94596 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $254 | — | $254 | 2.43% |
| THE HORTON GROUP3 | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 72.65% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD, SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $259 | $259 | 5.01% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $211 | — | $211 | 4.08% |
| THE HORTON GROUP3 | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 77.16% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD, SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $243 | $243 | 5.00% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $213 | — | $213 | 4.38% |
| THE HORTON GROUP3 | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 59.37% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD, SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $154 | $154 | 5.01% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $103 | — | $103 | 3.35% |
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 | 259 | 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) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 180 | $2.4M |
| Dental | GUARDIAN | 214 | $221K |
| Vision(2 contracts, 2 carriers) | GUARDIAN | 487 | $237K |
| Life insurance(3 contracts, 2 carriers) | GUARDIAN | 255 | $284K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 214 | $234K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN | 214 | $231K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 180 | $1.6M |
| Other(5 contracts, 2 carriers) | GUARDIAN | 255 | $258K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 487 | — |
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.