| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AXION RMS LTD3 Filed as: AXION RMS, LTD | 2651 WARRENVILLE ROAD SUITE 200 DOWNERS GROVE, IL 60515 | HORIZON HEALTHCARE SERVICES, INC. | $68K | — | $68K | 3.94% |
| MID AMERICAN GROUP, INC.3 | 760 PASQUINELLI DRIVE WESTMONT, IL 60559 | HORIZON HEALTHCARE SERVICES, INC. | $7K | — | $7K | 0.38% |
| AXION RMS LTD3 Filed as: AXION RMS, LTD. | 2651 WARRENVILLE ROAD SUITE 200 DOWNERS GROVE, IL 60515 | HORIZON HEALTHCARE SERVICES, INC | $16K | — | $16K | 4.34% |
| MD AMERICAN GROUP INC.3 | 760 PASQUINELLI DRIVE WESTMONT, IL 60559 | HORIZON HEALTHCARE SERVICES, INC | $2K | — | $2K | 0.42% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: AXION RISK MANAGEMENT STR | 2651 WARRENVILLE ROAD SUITE 200 DOWNERS GROVE, IL 60515 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $1K | $12K | 22.77% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: AXION RISK MANAGEMENT STR | 2651 WARRENVILLE ROAD SUITE 200 DOWNERS GROVE, IL 60515 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $1K | $9K | 22.60% |
| AXION RMS LTD3 Filed as: AXION RMS, LTD | 2651 WARRENVILLE ROAD SUITE 200 DOWNERS GROVE, IL 60515 | VISION SERVICE PLAN | $1K | — | $1K | 6.05% |
| MID AMERICAN GROUP, INC.3 Filed as: MID AMERICAN GROUP, INC | 760 PASQUINELLI DRIVE SUITE 358 WESTMONT, IL 60559 | VISION SERVICE PLAN | $872 | — | $872 | 3.96% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: AXION RISK MANAGEMENT STR | 2651 WARRENVILLE ROAD SUITE 200 DOWNERS GROVE, IL 60515 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $900 | $115 | $1K | 22.56% |
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 | 202 | 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) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 202 | $1.7M |
| Vision | VISION SERVICE PLAN | 184 | $22K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 255 | $52K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 255 | $41K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC | 202 | $358K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 255 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.