| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AXION RMS LTD3 Filed as: AXION RMS | 2651 WARRENVILLE ROAD SUITE 200 DOWNERS GROVE, IL 60515 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $118K | $3K | $121K | 3.07% |
| AXION RMS LTD3 Filed as: AXION RMS | 2651 WARRENVILLE ROAD SUITE 200 DOWNERS GROVE, IL 60515 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $31K | — | $31K | 19.95% |
| AXION RMS LTD Filed as: AXION RMS, LTD | 2651 WARRENVILLE ROAD SUITE 200 DOWNERS GROVE, IL 60515 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | — | $14K | 9.21% |
| AXION RMS LTD3 Filed as: AXION RMS | 2651 WARRENVILLE ROAD SUITE 200 DOWNERS GROVE, IL 60515 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 10.01% |
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 | 416 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 416 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 579 | $3.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 609 | $157K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 363 | $30K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 416 | $157K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 416 | $157K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 416 | $157K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 609 | — |
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.