| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AXION RMS LTD3 | 2651 WARRENVILLE RD STE 200 DOWNERS GROVE, IL 60515 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $31K | $31K | 2.68% |
| BSP GROUP BENEFITS INC3 Filed as: BSP GROUP BENEFITS, INC. | 206 S JEFFERSON ST STE. 200 CHICAGO, IL 60661 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 4.80% |
| AXION RMS LTD3 Filed as: AXION RMS LTD. | 2651 W WARRENVILLE RD STE 200 DOWNERS GROVE, IL 60515 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 4.31% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 E JACKSON BLVD FL 14 CHICAGO, IL 60604 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 0.95% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 N CLARK ST., STE 400 CHICAGO, IL 606543452 | METROPOLITAN LIFE INSURANCE COMPANY | $547 | $1K | $2K | 0.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FL BANK OF AMERICA CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | — | $757 | $757 | 0.40% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTION CENTER DR CHICAGO, IL 606930001 | VISION SERVICE PLAN | $535 | — | $535 | 5.17% |
| AXION RMS LTD3 Filed as: AXION RMS, LTD | 2651 WARRENVILLE ROAD SUITE 200 DOWNERS GROVE, IL 60515 | VISION SERVICE PLAN | $500 | — | $500 | 4.83% |
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 | 232 | 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) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 232 | $1.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 743 | $187K |
| Vision | VISION SERVICE PLAN | 126 | $10K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 743 | $187K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 743 | $187K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 743 | $187K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 743 | $187K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 743 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.