| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AXION RMS LTD3 Filed as: AXION RMS LTD. | 2443 WARRENVILLE RD SUITE 610 LISLE, IL 60532 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $106K | $2K | $109K | 3.94% |
| AXION RMS LTD3 Filed as: AXION RMS LTD. | 2443 WARRENVILLE RD. SUITE 610 LISLE, IL 60532 | DEARBORN LIFE INSURANCE COMPANY | $49K | — | $49K | 20.00% |
| AXION RMS LTD3 Filed as: AXION RMS | 2443 WARRENVILLE RD SUITE 610 LILSE, IL 60532 | GUARDIAN LIFE INSURANCE | $16K | — | $16K | 32.24% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS INC | 131 TREMONT ST. 3RD FLOOR BOSTON, MA 02111 | GUARDIAN LIFE INSURANCE | $1K | — | $1K | 3.00% |
| JENNON M CARUTH3 | 1331 HEATHER COURT CHANHASEEN, MN 55317 | GUARDIAN LIFE INSURANCE | -$9 | — | -$9 | -0.02% |
| AXION RMS LTD3 Filed as: AXION RMS LTD. | 2443 WARRENVILLE RD SUITE 610 LISLE, IL 60532 | EYEMED VISION CARE | $2K | — | $2K | 14.34% |
| MAXWELL HEALTH3 Filed as: MAXWELL HEALTH - BOR | — | EYEMED VISION CARE | $398 | — | $398 | 2.46% |
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 | 396 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 396 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 383 | $2.8M |
| Dental | GUARDIAN LIFE INSURANCE | 266 | $49K |
| Vision | EYEMED VISION CARE | 371 | $16K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 396 | $247K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 396 | $247K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 396 | $247K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 396 | $247K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 396 | — |
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.