| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AXION RMS LTD Filed as: AXION RMS | 760 PASQUINELLI DRIVE 358 WESTMONT, IL 60559 | BLUE CROSS BLUE SHIELD IL | $65K | — | $65K | 3.75% |
| MID AMERICAN GROUP, INC.3 Filed as: MID AMERICAN GROUP | 760 PASQUINELLI DRIVE 358 WESTMONT, IL 60559 | BLUE CROSS BLUE SHIELD IL | $4K | — | $4K | 0.24% |
| AXION RMS LTD | 2651 WARRENVILLE RD STE 200 DOWNERS GROVE, IL 60515 | DELTA DENTAL OF ILLINOIS | $8K | — | $8K | 9.18% |
| MID AMERICAN GROUP, INC.3 Filed as: MID AMERICAN GROUP | 760 PASQUINELLI DRIVE 358 WESTMONT, IL 60559 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $16K | — | $16K | 20.00% |
| AXION RMS LTD Filed as: AXION RMS | 2651 WARRENVILLE RD STE 200 DOWNERS GROVE, IL 60515 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.13% |
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 | 215 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD IL | 393 | $1.7M |
| Dental | DELTA DENTAL OF ILLINOIS | 148 | $90K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 266 | $17K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 215 | $78K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 215 | $78K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 215 | $78K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 215 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 393 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.