| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KLASSMAN FINANCIAL SERVICES3 | 3325 N ARLINGTON HEIGHTS RD 200A ARLINGTON HEIGHTS, IL 60004 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 24.19% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON -CHAPMAN BENEFITS ADMIN | PO BOX 9201 AUSTIN, TX 78766 | STANDARD INSURANCE COMPANY | — | $542 | $542 | 2.73% |
| GIS BENEFITS INC | 422 WAUPONSEE ST MORRIS, IL 60450 | STANDARD INSURANCE COMPANY | $308 | — | $308 | 1.55% |
| KLASSMAN FINANCIAL SERVICES3 | 3325 N ARLINGTON HEIGHTS RD 200A ARLINGTON HEIGHTS, IL 60004 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 14.95% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | STANDARD INSURANCE COMPANY | $688 | — | $688 | 4.98% |
| KLASSMAN FINANCIAL SERVICES3 | 3325 N ARLINGTON HEIGHTS RD 200A ARLINGTON HEIGHTS, IL 60004 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 14.87% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | STANDARD INSURANCE COMPANY | $603 | — | $603 | 4.94% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON -CHAPMAN BENEFITS ADMIN | PO BOX 9201 AUSTIN, TX 78766 | STANDARD INSURANCE COMPANY | — | $320 | $320 | 2.62% |
| KLASSMAN FINANCIAL SERVICES3 | 3325 N ARLINGTON HEIGHTS RD 200A ARLINGTON HEIGHTS, IL 60004 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 15.71% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | STANDARD INSURANCE COMPANY | $633 | — | $633 | 5.24% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON -CHAPMAN BENEFITS ADMIN | PO BOX 9201 AUSTIN, TX 78766 | STANDARD INSURANCE COMPANY | — | $346 | $346 | 2.86% |
| KLASSMAN FINANCIAL SERVICES3 | 3325 N ARLINGTON HEIGHTS RD 200A ARLINGTON HEIGHTS, IL 60004 | STANDARD INSURANCE COMPANY | $5K | — | $5K | — |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | STANDARD INSURANCE COMPANY | $788 | — | $788 | — |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON -CHAPMAN BENEFITS ADMIN | PO BOX 9201 AUSTIN, TX 78766 | STANDARD INSURANCE COMPANY | — | $473 | $473 | — |
| KLASSMAN FINANCIAL SERVICES | 3325 N ARLINGTON HEIGHTS RD 200A ARLINGTON HEIGHTS, IL 60004 | STANDARD INSURANCE COMPANY | $976 | — | $976 | — |
| GIS BENEFITS INC | 422 WAUPONSEE ST MORRIS, IL 60450 | STANDARD INSURANCE COMPANY | $128 | — | $128 | — |
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 | 105 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 0 | $0 |
| Vision | STANDARD INSURANCE COMPANY | 0 | $0 |
| Life insurance | STANDARD INSURANCE COMPANY | 0 | $12K |
| Short-term disability | STANDARD INSURANCE COMPANY | 0 | $14K |
| Long-term disability | STANDARD INSURANCE COMPANY | 0 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 0 | — |
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.