| 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 | AIG | $64K | $8K | $72K | 7.92% |
| VERITAS RISK SERVICES3 Filed as: VERITAS RISK SERVICES, LLC | 3025 HIGHLAND PKWY, STE 650 DOWNERS GROVE, IL 60515 | DELTA DENTAL OF PENNSYLVANIA | $15K | $0 | $15K | 5.00% |
| VERITAS RISK SERVICES3 Filed as: VERITAS RISK SERVICES, LLC | 3025 HIGHLAND PKWY, STE 650 DOWNERS GROVE, IL 60515 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $0 | $13K | 10.00% |
| VERITAS RISK SERVICES3 Filed as: VERITAS RICK SERVICES, LLC | 3025 HIGHLAND PKWY, STE 650 DOWNERS GROVE, IL 60515 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $0 | $7K | 10.00% |
| VERITAS RISK SERVICES3 Filed as: VERITAS RISK SERVICES, LLC | 3025 HIGHLAND PKWY, STE 650 DOWNERS GROVE, IL 60515 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.74% |
| VERITAS RISK SERVICES3 Filed as: VERITAS RISK SERVICES, LLC | 3025 HIGHLAND PKWY, STE 650 DOWNERS GROVE, IL 60515 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 10.00% |
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 | 490 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 498 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AIG | 433 | $914K |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 898 | $305K |
| Vision | VISION SERVICE PLAN | 447 | $44K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 509 | $131K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 509 | $66K |
| Stop-loss / reinsurancereinsurance | AIG | 433 | $914K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 509 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 898 | — |
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.