| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VERITAS RISK SERVICES3 Filed as: VERITAS RISK SERVICES, LLC | 3025 HIGHLAND PKWY, STE 650 DOWNERS GROVE, IL 60515 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $94K | $0 | $94K | 16.46% |
| VERITAS RISK SERVICES3 Filed as: VERITAS RISK SERVICES, LLC | 3025 HIGHLAND PKWY, STE 650 DOWNERS GROVE, IL 60515 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.08% |
| ELIZABETH SCHENK3 | 6900 TURKEY LAKE RD, STE 200 ORLANDO, FL 32819 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.85% |
| VERITAS RISK SERVICES3 Filed as: VERITAS RISK SERVICES, LLC | 3025 HIGHLAND PKWY, STE 650 DOWNERS GROVE, IL 60515 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 11.76% |
| ELIZABETH SCHENK3 Filed as: ELIZABETH SCHENCK | 6900 TURKEY LAKE RD, STE 200 ORLANDO, FL 32819 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $860 | $860 | 2.82% |
| VERITAS RISK SERVICES3 Filed as: VERITAS RISK SERVICES, LLC | 3025 HIGHLAND PKWY, STE 650 DOWNERS GROVE, IL 60515 | DELTA DENTAL OF ILLINOIS | $7K | $0 | $7K | 27.61% |
| VERITAS RISK SERVICES3 Filed as: VERITAS RISK SERVICES, LLC | 3025 HIGHLAND PKWY, STE 650 DOWNERS GROVE, IL 60515 | VISION SERVICE PLAN | $843 | $0 | $843 | 6.68% |
| VERITAS RISK SERVICES3 Filed as: VERITAS RISK SERVICES, LLC | 3025 HIGHLAND PKWY, STE 650 DOWNERS GROVE, IL 60515 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $401 | $0 | $401 | 15.00% |
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 | 233 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 282 | $572K |
| Dental | DELTA DENTAL OF ILLINOIS | 168 | $27K |
| Vision | VISION SERVICE PLAN | 144 | $13K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 233 | $55K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 128 | $31K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 282 | $572K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 282 | $572K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 233 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 282 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.