| 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 | $102K | — | $102K | 3.49% |
| AXION RMS LTD3 | 2443 WARRENVILLE RD SUITE 610 LISLE, IL 60532 | CIGNA DENTAL HEALTH OF ILLINOIS INC. | $15K | — | $15K | 7.92% |
| AXION RMS LTD3 | 2443 WARRENVILLE RD SUITE 610 LISLE, IL 60532 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 8.33% |
| WATCH TOWER TECHNOLOGIES INC3 Filed as: WATCH TOWER TECHNOLOGIES INC. | 306 WEST ERIE ST. SUITE 300 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.38% |
| AXION RMS LTD3 | 2443 WARRENVILLE RD SUITE 610 LISLE, IL 60532 | FIDELITY SECURITY LIFE INSURANCE CO. ON BEHALF OF EYEMED VISION CARE | $2K | — | $2K | 7.21% |
| THREE FLOW3 | 306 W ERIE STREET SUITE 300 CHICAGO, IL 60654 | FIDELITY SECURITY LIFE INSURANCE CO. ON BEHALF OF EYEMED VISION CARE | $283 | — | $283 | 1.13% |
| AXION RMS LTD3 | 2443 WARRENVILLE RD SUITE 610 LISLE, IL 60532 | UNUM INSURANCE COMPANY | $2K | — | $2K | 8.40% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | UNUM INSURANCE COMPANY | $822 | — | $822 | 3.95% |
| WATCH TOWER TECHNOLOGIES INC3 | 306 W ERIE STR. SUITE 300 CHICAGO, IL 60654 | UNUM INSURANCE COMPANY | $131 | — | $131 | 0.63% |
| AXION RMS LTD3 | 2443 WARRENVILLE RD SUITE 610 LISLE, IL 60532 | UNUM INSURANCE COMPANY | $3K | — | $3K | 18.34% |
| WATCH TOWER TECHNOLOGIES INC3 | 306 W ERIE STR SUITE 300 CHICAGO, IL 60654 | UNUM INSURANCE COMPANY | $201 | — | $201 | 1.38% |
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 | 432 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 432 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 390 | $2.9M |
| Dental | CIGNA DENTAL HEALTH OF ILLINOIS INC. | 278 | $185K |
| Vision | FIDELITY SECURITY LIFE INSURANCE CO. ON BEHALF OF EYEMED VISION CARE | 343 | $25K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 432 | $76K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 432 | $76K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ILLINOIS | 390 | $2.9M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 432 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 432 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.