| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VERITAS RISK SERVICES3 | 1900 SPRING ROAD, SUITE 530 OAK BROOK, IL 60523 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $20K | $20K | 1.83% |
| VERITAS RISK SERVICES3 | 1900 SPRING ROAD, SUITE 530 OAK BROOK, IL 60523 | HEALTH CARE SERVICE CORPORATION, A MUTUAL LEGAL RESERVE COMPANY | $0 | $30K | $30K | 4.32% |
| VERITAS RISK SERVICES3 | 1900 SPRING ROAD, SUITE 530 OAK BROOK, IL 60523 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $6K | $6K | 1.86% |
| VERITAS RISK SERVICES3 | 1900 SPRING ROAD, SUITE 530 OAK BROOK, IL 60523 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 2.22% |
| VERITAS RISK SERVICES3 | 1900 SPRING ROAD, SUITE 530 OAK BROOK, IL 60523 | CONTINENTAL CASUALTY COMPANY | $1K | — | $1K | 5.00% |
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 | 2,287 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 85 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,372 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,902 | $390K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,272 | $1.1M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,971 | $345K |
| Stop-loss / reinsurancereinsurance | HEALTH CARE SERVICE CORPORATION, A MUTUAL LEGAL RESERVE COMPANY | 6,874 | $695K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,975 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,874 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.