| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED BUILDERS & CONTRACTORS3 | 440 FIRST STREET, NW STE 200 WASHINGTON, DC 20001 | BLUE CROSS BLUE SHIELD OF IL | $82K | — | $82K | 3.40% |
| AXION RMS LTD3 Filed as: AXION RMS | 2443 WARRENVILLE RD SUITE 610 LISLE, IL 60532 | BLUE CROSS BLUE SHIELD OF IL | $7K | — | $7K | 0.28% |
| ASSOCIATED BUILDERS & CONTRACTORS3 | 440 FIRST STREET, NW STE 200 WASHINGTON, DC 20001 | DEARBORN LIFE INSURANCE COMPANY | $22K | $8K | $30K | 20.49% |
| AXION RMS LTD3 Filed as: AXION RMS | 2443 WARRENVILLE RD SUITE 610 LISLE, IL 60532 | DEARBORN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.41% |
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 | 130 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF IL | 359 | $2.4M |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 130 | $148K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 130 | $148K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 130 | $148K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 130 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 359 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.