| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANCE BENEFIT CONSULTANTS INC3 | 1820 RIDGE RD STE 201 HOMEWOOD, IL 60430 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $45K | $45K | 2.90% |
| ALLIANCE BENEFIT CONSULTANTS INC3 Filed as: ALLIANCE BENEFIT CONSULTANTS INC. | 17732 OAK PARK AVE. SUITE G TINLEY PARK, IL 60477 | EQUITABLE FINANCIAL LIFE INSURANCE CO OF AMERICA | $19K | $0 | $19K | 12.23% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 BLDG I, SUITE 100 AUSTIN, TX 78766 | EQUITABLE FINANCIAL LIFE INSURANCE CO OF AMERICA | $0 | $6K | $6K | 4.00% |
| INNOVATIVE BROKER SOLUTIONS LTD3 Filed as: INNOVATIVE BROKER SOLUTIONS, LTD | 2813 LEVEN AVENUE NEW LENOX, IL 60451 | EQUITABLE FINANCIAL LIFE INSURANCE CO OF AMERICA | $5K | $0 | $5K | 3.00% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BENEFIT ADMNSTRS INC | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $2K | $13K | 30.01% |
| GIS BENEFITS INC3 | 422 WAUPONSEE MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $462 | $462 | 1.03% |
| INNOVATIVE BROKER SOLUTIONS LTD3 | 9405 BORMET DR STE 3 MOKENA, IL 60448 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.13% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BENEFIT ADMNSTRS INC | PO BOX 9039 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $550 | $550 | 5.06% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $550 | $550 | 5.06% |
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 | 123 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 281 | $1.6M |
| Dental | EQUITABLE FINANCIAL LIFE INSURANCE CO OF AMERICA | 122 | $158K |
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE CO OF AMERICA | 122 | $158K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 123 | $56K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE CO OF AMERICA | 122 | $158K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE CO OF AMERICA | 122 | $158K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 123 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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.