| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AXION RMS LTD3 Filed as: AXION RMS | 2651 WARRENVILLE ROAD SUITE 200 DOWNERS GROVE, IL 60515 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $145K | — | $145K | 2.07% |
| MID AMERICAN GROUP, INC.3 Filed as: MID AMERICAN GROUP, INC | 760 PASQUINELLI DRIVE SUITE 358 WESTMONT, IL 60559 | BLUE CROSS BLUE SHIELD OF ILLINOIS | — | $5K | $5K | 0.07% |
| AXION RMS LTD3 Filed as: AXION RMS | 2651 WARRENVILLE ROAD SUITE 200 DOWNERS GROVE, IL 60515 | SUN LIFE ASSURANCE COMPANY OF CANADA | $68K | — | $68K | 18.20% |
| MID AMERICAN GROUP, INC.3 Filed as: MID AMERICAN GROUP INC. | 760 PASQUINELLI DR SUITE 358 WESTMONT, IL 60559 | PRESBYTERIAN LIFE INSRANCE COMPANY INC. | $9K | — | $9K | 3.97% |
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 | 524 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 524 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 1,376 | $7.3M |
| Dental | BLUE CROSS BLUE SHIELD OF ILLINOIS | 1,376 | $7.0M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 524 | $371K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 524 | $371K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 524 | $371K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 1,376 | $7.3M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF ILLINOIS | 1,376 | $7.0M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 524 | $371K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,376 | — |
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.
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.