| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | — | BLUE CROSS BLUE SHIELD OF ILLINOIS | $44K | $3K | $47K | 2.79% |
| AXION RMS LTD3 | — | BLUE CROSS BLUE SHIELD OF ILLINOIS | $20K | — | $20K | 1.18% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | HUMANA INSURANCE COMPANY | $2K | $9K | $11K | 7.78% |
| AXION RMS LTD3 | 2651 WARRENVILLE ROAD SUITE 200 DOWNERS GROVE, IL 60515 | HUMANA INSURANCE COMPANY | $190 | — | $190 | 0.13% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $11K | $12K | $24K | 18.00% |
| AXION RMS LTD3 | 2651 WARRENVILLE ROAD SUITE 200 DOWNERS GROVE, IL 60515 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $2K | $189 | $2K | 1.40% |
| AXION RMS LTD3 Filed as: AXION RMS, LTD | 2651 WARRENVILLE ROAD SUITE 200 DOWNERS GROVE, IL 60515 | VISION SERVICE PLAN | $524 | — | $524 | 3.08% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | VISION SERVICE PLAN | $263 | — | $263 | 1.55% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 400 GALLERIA PARKWAY SOUTHEAST SUITE 300 ATLANTA, GA 30339 | VISION SERVICE PLAN | $217 | — | $217 | 1.28% |
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 | 163 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 316 | $1.7M |
| Dental | HUMANA INSURANCE COMPANY | 180 | $144K |
| Vision | VISION SERVICE PLAN | 180 | $17K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 233 | $131K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 233 | $131K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 233 | $131K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 233 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.