| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AXION RMS LTD3 | 2651 WARRENVILLE RD STE 200 DOWNERS GROVE, IL 60515 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $42K | — | $42K | 3.84% |
| MID AMERICAN GROUP, INC.3 Filed as: MID AMERICAN GROUP INC | 760 PASQUINELLINI DR STE 358 WESTMONT, IL 60559 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $3K | — | $3K | 0.25% |
| AXION RMS LTD3 | 2651 WARRENVILLE RD STE 200 DOWNERS GROVE, IL 60515 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $1K | $8K | 11.46% |
| AXION RMS LTD3 | 2651 WARRENVILLE RD STE 200 DOWNERS GROVE, IL 60559 | MUTUAL OF OMAHA INSURANCE COMPANY | $5K | $1K | $6K | 12.43% |
| MID AMERICAN GROUP, INC.3 Filed as: MID AMERICAN GROUP INC | 760 PASQUINELLINI DR STE 358 WESTMONT, IL 60559 | EYEMED VISION CARE | $754 | — | $754 | 7.34% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: AXION RISK MANAGEMENT STRATEGIES | 2651 WARRENVILLE RD STE 200 DOWNERS GROVE, IL 60515 | EYEMED VISION CARE | $172 | — | $172 | 1.67% |
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 | 141 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 260 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 123 | $71K |
| Vision | EYEMED VISION CARE | 189 | $10K |
| Life insurance | MUTUAL OF OMAHA INSURANCE COMPANY | 141 | $52K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 141 | $52K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 141 | $52K |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 141 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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.