| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AXIS BENEFITS CONSULTANTS, INC.3 Filed as: AXIS BENEFIT CONSULTANTS INC | 77 OAKMONT LANE 1400 WESTMONT, IL 60559 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $111K | $0 | $111K | 2.73% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $23K | — | $23K | 0.57% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $29K | $7K | $37K | 12.37% |
| AXIS BENEFITS CONSULTANTS, INC.3 Filed as: AXIS BENEFIT CONSULTANTS INC | 77 OAKMONT LANE 1400 WESTMONT, IL 60559 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 19.87% |
| AXIS BENEFITS CONSULTANTS, INC.3 Filed as: AXIS BENEFIT CONSULTANTS INC | 77 OAKMONT LANE 1400 WESTMONT, IL 60559 | DELTA DENTAL OF ILLINOIS | $2K | — | $2K | 8.69% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | DELTA DENTAL OF ILLINOIS | $132 | — | $132 | 0.74% |
| AXIS BENEFITS CONSULTANTS, INC.3 Filed as: AXIS BENEFIT CONSULTANTS INC | 77 OAKMONT LANE 1400 WESTMONT, IL 60559 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $734 | $110 | $844 | 17.26% |
| AXIS BENEFITS CONSULTANTS, INC.3 Filed as: AXIS BENEFIT CONSULTANTS INC | 77 OAKMONT LANE 1400 WESTMONT, IL 60559 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $62 | — | $62 | 9.95% |
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 | 237 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 693 | $4.1M |
| Dental | DELTA DENTAL OF ILLINOIS | 264 | $18K |
| Vision | VSP/VISION SERVICE PLAN | 260 | $0 |
| Other(4 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 270 | $375K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 693 | — |
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."
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.