| 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 60615 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $39K | $1K | $40K | 8.35% |
| VERTIAS RISK SERVICES, LLC3 | 3025 HIGHLAND PKWY, STE 650 DOWNERS GROVE, IL 60515 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 12.46% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $2K | $3K | 9.70% |
| VERITAS RISK SERVICES3 Filed as: VERITAS RISK SERVICES, LLC | 3025 HIGHLAND PKWY, STE 650 DOWNERS GROVE, IL 60515 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $532 | $2K | 8.03% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.46% |
| VERITAS RISK SERVICES3 Filed as: VERITAS RISK SERVICES, LLC | 3025 HIGHLAND PKWY, STE 650 DOWNERS GROVE, IL 60515 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| VERITAS RISK SERVICES3 Filed as: VERITAS RISK SERVICES, LLC | 3025 HIGHLAND PKWY, STE 650 DOWNERS GROVE, IL 60615 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $4K | $5K | 39.89% |
| VERITAS RISK SERVICES3 Filed as: VERITAS RISK SERVICES, LLC | 3025 HIGHLAND PKWY, STE 650 DOWNERS GROVE, IL 60515 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $153 | $2K | 19.55% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $381 | $474 | $855 | 9.96% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $381 | $381 | 4.44% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $328 | $3K | 52.38% |
| VERITAS RISK SERVICES3 Filed as: VERITAS RISK SERVICES, LLC | 3025 HIGHLAND PKWY, STE 650 DOWNERS GROVE, IL 60515 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $104 | $1K | 19.46% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $260 | $260 | 4.43% |
| VERITAS RISK SERVICES3 Filed as: VERITAS RISK SERVICES, LLC | 3025 HIGHLAND PKWY, STE 650 DOWNERS GROVE, IL 60515 | EYEMED | $497 | $0 | $497 | 8.94% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $638 | $247 | $885 | 20.42% |
| VERITAS RISK SERVICES3 Filed as: VERITAS RISK SERVICES, LLC | 3025 HIGHLAND PKWY, STE 650 DOWNERS GROVE, IL 60515 | METROPOLITAN LIFE INSURANCE COMPANY | $770 | $77 | $847 | 19.55% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $193 | $193 | 4.45% |
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 | 167 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 225 | $485K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 137 | $30K |
| Vision | EYEMED | 111 | $6K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 167 | $49K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 167 | $30K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF ILLINOIS | 225 | $485K |
| Other(4 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 160 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.