| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANCE BENEFIT CONSULTANTS INC3 | 2630 FLOSSMOOR RD #101 FLOSSMOOR, IL 60422 | BLUECROSS BLUESHIELD OF ILLINOIS | $50K | $0 | $50K | 3.92% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 Filed as: BOON CHAPMAN BENEFIT ADMNSTRS INC | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | $5K | $30K | 19.93% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 2.82% |
| INNOVATIVE BROKER SOLUTIONS LTD3 | 2813 LEVEN AVE NEW LENOX, IL 60451 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.96% |
| ALLIANCE BENEFIT CONSULTANTS INC3 Filed as: ALLIANCE BENEFIT CONSULTANTS | 17732 OAK PARK AVE STE G TINLEY PARK, IL 60477 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.70% |
| INNOVATIVE BROKER SOLUTIONS LTD3 Filed as: INNOVATIVE BROKER SOLUTIONS | 2813 LEVEN AVE NEW LENOX, IL 60451 | THE LINCOLN NATIONAL LIFE INSURANCE POLICY | $3K | $0 | $3K | 10.32% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE POLICY | $0 | $2K | $2K | 7.10% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BNFTS ADMNSTRS INC | PO BOX 9201 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE POLICY | $0 | $1K | $1K | 5.01% |
| INNOVATIVE BROKER SOLUTIONS LTD3 | 2813 LEVEN AVE NEW LENOX, IL 60451 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.32% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 7.11% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BENEFIT ADMNSTRS INC | PO BOX 9201 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.01% |
| INNOVATIVE BROKER SOLUTIONS LTD3 | 2813 LEVEN AVE NEW LENOX, IL 60451 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 11.51% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $839 | $839 | 7.70% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BENEFITS ADMNSTRS INC | PO BOX 9201 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $547 | $547 | 5.02% |
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 | 127 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 285 | $1.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 246 | $149K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 246 | $149K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 246 | $160K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE POLICY | 127 | $28K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 127 | $23K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 246 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 285 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.