| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AXION RMS LTD3 Filed as: AXION RMS LTD. | 2443 WARRENVILLE RD SUITE 610 LISLE, IL 60532 | ANTHEM INSURANCE COMPANIES, INC. | $35K | — | $35K | 3.08% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 955909 SAINT LOUIS, MO 63195 | ANTHEM INSURANCE COMPANIES, INC. | $9K | — | $9K | 0.76% |
| INDY CHAMBER LLC3 | 111 MONUMENT CIRCLE STE 1950 INDIANAPOLIS, IL 46204 | ANTHEM INSURANCE COMPANIES, INC. | $915 | — | $915 | 0.08% |
| AXION RMS LTD3 | 2443 WARRENVILLE RD SUITE 610 LISLE, IL 60532 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 20.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $101 | $101 | 0.35% |
| AXION RMS LTD3 Filed as: AXION RMS LTD. | 2443 WARRENVILLE RD SUITE 610 LISLE, IL 60543 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 20.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $92 | $92 | 0.41% |
| AXION RMS LTD3 | 2443 WARRENVILLE RD SUITE 610 LISLE, IL 60532 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $56 | $56 | 0.39% |
| AXION RMS LTD3 Filed as: AXION RMS LTD. | 2443 WARRENVILLE RD SUITE 610 LISLE, IL 60532 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $729 | $0 | $729 | 12.68% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $14 | $14 | 0.24% |
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 | 155 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 110 | $1.1M |
| Dental | ANTHEM INSURANCE COMPANIES, INC. | 110 | $1.1M |
| Vision | ANTHEM INSURANCE COMPANIES, INC. | 110 | $1.1M |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 155 | $6K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 34 | $15K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 36 | $29K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 155 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.