| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $29K | $0 | $29K | 5.53% |
| VERITAS RISK SERVICES3 Filed as: VERITAS RISK SERVICES, LLC | 3025 HIGHLAND PKWY, STE 650 DOWNERS GROVE, IL 60615 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $10K | $1K | $11K | 2.06% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 7.52% |
| VERTIAS RISK SERVICES, LLC3 | 3025 HIGHLAND PKWY, STE 650 DOWNERS GROVE, IL 60515 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 3.92% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $570 | $3K | 6.39% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $218 | $2K | 5.26% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 4.99% |
| VERITAS RISK SERVICES3 Filed as: VERITAS RISK SERVICES, LLC | 3025 HIGHLAND PKWY, STE 650 DOWNERS GROVE, IL 60515 | METROPOLITAN LIFE INSURANCE COMPANY | $920 | $139 | $1K | 2.60% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 6.51% |
| VERITAS RISK SERVICES3 Filed as: VERITAS RISK SERVICES, LLC | 3025 HIGHLAND PKWY, STE 650 DOWNERS GROVE, IL 60515 | STANDARD INSURANCE COMPANY | $806 | $0 | $806 | 3.48% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $66 | $1K | 13.88% |
| VERITAS RISK SERVICES3 Filed as: VERITAS RISK SERVICES, LLC | 3025 HIGHLAND PKWY, STE 650 DOWNERS GROVE, IL 60515 | METROPOLITAN LIFE INSURANCE COMPANY | $738 | $40 | $778 | 7.22% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $542 | $183 | $725 | 6.73% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $542 | $542 | 5.03% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $997 | $49 | $1K | 13.83% |
| VERITAS RISK SERVICES3 Filed as: VERITAS RISK SERVICES, LLC | 3025 HIGHLAND PKWY, STE 650 DOWNERS GROVE, IL 60515 | METROPOLITAN LIFE INSURANCE COMPANY | $522 | $28 | $550 | 7.27% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $380 | $380 | 5.03% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | -$2K | $135 | -$2K | -26.06% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | EYEMED | $486 | $0 | $486 | 6.56% |
| VERITAS RISK SERVICES3 Filed as: VERITAS RISK SERVICES, LLC | 3025 HIGHLAND PKWY, STE 650 DOWNERS GROVE, IL 60515 | EYEMED | $182 | $0 | $182 | 2.46% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $764 | $41 | $805 | 13.87% |
| VERITAS RISK SERVICES3 Filed as: VERITAS RISK SERVICES, LLC | 3025 HIGHLAND PKWY, STE 650 DOWNERS GROVE, IL 60515 | METROPOLITAN LIFE INSURANCE COMPANY | $398 | $21 | $419 | 7.22% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $290 | $290 | 5.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | -$155 | $97 | -$58 | -1.00% |
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 | 159 | 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) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 220 | $530K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 134 | $41K |
| Vision | EYEMED | 110 | $7K |
| Life insurance | STANDARD INSURANCE COMPANY | 159 | $48K |
| Long-term disability | STANDARD INSURANCE COMPANY | 159 | $23K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF ILLINOIS | 220 | $530K |
| Other(4 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 159 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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.