| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AXION RMS LTD3 | 2443 WARRENVILLE RD SUITE 610 LISLE, IL 60532 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $82K | $2K | $85K | 1.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 775 YARD ST SUITE 200 COLUMBUS, OH 43212 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $60K | — | $60K | 1.39% |
| AXION RMS LTD3 Filed as: AXION RMS, LTD | 2443 WARRENVILLE ROAD STE 610 LISLE, IL 60532 | DEARBORN LIFE INSURANCE COMPANY | $28K | — | $28K | 10.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC. | 775 YARD STREET STE 200 COLUMBUS, OH 43212 | DEARBORN LIFE INSURANCE COMPANY | $21K | — | $21K | 7.92% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 500 N AKARD STREET STE 4300 DALLAS, TX 75201 | DEARBORN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.19% |
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 | 411 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 427 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 585 | $4.3M |
| Dental | BLUE CROSS BLUE SHIELD OF ILLINOIS | 585 | $4.3M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 411 | $259K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 411 | $259K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 411 | $259K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 411 | $259K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 585 | — |
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.