| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AXION RMS LTD3 Filed as: AXION RMS | 2443 WARRENVILLE RD SUITE 610 LISLE, IL 60532 | BLUE CROSS BLUE SHIELD | $119K | $3K | $122K | 3.89% |
| AXION RMS LTD3 Filed as: AXION RMS | 2443 WARRENVILLE RD SUITE 610 LISLE, IL 60532 | DEARBORN LIFE INSURANCE COMPANY | $47K | — | $47K | 20.00% |
| AXION RMS LTD3 Filed as: AXION RMS | 2443 WARRENVILLE RD SUITE 610 LISLE, IL 60532 | GUARDIAN | $19K | — | $19K | 20.08% |
| DAILY FEATS INC | 131 TREMONT STR 3RD FLOOR BOSTON, MA 02111 | GUARDIAN | $3K | — | $3K | 3.00% |
| JENNON M CARUTH | 1331 HEATHER COURT CHANHASSEN, MN 55317 | GUARDIAN | $2K | — | $2K | 2.32% |
| CLARITY ENROLLMENT SOLUTIONS LLC Filed as: CLARITY ENROLLMENT SOLUTIONS | 7825 WASHINGTON AVE SOUTH SUITE 710 MINNEAPOLIS, MN 55439 | GUARDIAN | $11 | — | $11 | 0.01% |
| AXION RMS LTD3 Filed as: AXION RMS | 2443 WARRENVILLE RD SUITE 610 LISLE, IL 60532 | EYEMED VISION CARE | $2K | — | $2K | 9.14% |
| MAXWELL HEALTH3 | 101 TREMONT ST. FL 11 BOSTON, MA 02108 | EYEMED VISION CARE | $378 | — | $378 | 1.83% |
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 | 459 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 459 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 472 | $3.1M |
| Dental | GUARDIAN | 318 | $95K |
| Vision | EYEMED VISION CARE | 455 | $21K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 459 | $233K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 459 | $233K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 459 | $233K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 459 | $328K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 472 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.