| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AXION RMS LTD3 Filed as: AXION RMS, LTD | 2651 WARRENVILLE ROAD, SUITE 200 DOWNERS GROVE, IL 60515 | BLUECROSS BLUESHIELD OF ILLINOIS | $56K | — | $56K | 3.38% |
| MID AMERICAN GROUP, INC.3 | 760 PASQUINELLI DRIVE, SUITE 358 WESTMONT, IL 60559 | BLUECROSS BLUESHIELD OF ILLINOIS | $8K | $4K | $12K | 0.70% |
| AXION RMS LTD3 Filed as: AXION RMS, LTD | 2651 WARRENVILLE ROAD, SUITE 200 DOWNERS GROVE, IL 60515 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $881 | $8K | 22.34% |
| AXION RMS LTD3 Filed as: AXION RMS, LTD | 2651 WARRENVILLE ROAD, SUITE 200 DOWNERS GROVE, IL 60515 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $736 | $7K | 22.32% |
| AXION RMS LTD3 Filed as: AXION RMS, LTD | 2651 WARRENVILLE ROAD, SUITE 200 DOWNERS GROVE, IL 60515 | DELTA DENTAL OF ILLINOIS | $9K | — | $9K | 27.54% |
| MID AMERICAN GROUP, INC.3 | 760 PASQUINELLI DRIVE, SUITE 358 WESTMONT, IL 60559 | DELTA DENTAL OF ILLINOIS | $111 | — | $111 | 0.35% |
| AXION RMS LTD3 Filed as: AXION RMS, LTD | 2651 WARRENVILLE ROAD, SUITE 200 DOWNERS GROVE, IL 60515 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $602 | $6K | 22.32% |
| AXION RMS LTD3 Filed as: AXION RMS, LTD | 2651 WARRENVILLE ROAD, SUITE 200 DOWNERS GROVE, IL 60515 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $236 | $3K | 21.55% |
| MID AMERICAN GROUP, INC.3 | 760 PASQUINELLI DRIVE, SUITE 358 WESTMONT, IL 60559 | VISION SERVICE PLAN | $1K | — | $1K | 9.13% |
| AXION RMS LTD3 Filed as: AXION RMS, LTD | 2651 WARRENVILLE ROAD, SUITE 200 DOWNERS GROVE, IL 60515 | VISION SERVICE PLAN | $119 | — | $119 | 0.88% |
| AXION RMS LTD3 Filed as: AXION RMS, LTD | 2651 WARRENVILLE ROAD, SUITE 200 DOWNERS GROVE, IL 60515 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $125 | $1K | 22.01% |
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 | 180 | 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) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 290 | $1.7M |
| Dental | DELTA DENTAL OF ILLINOIS | 158 | $31K |
| Vision | VISION SERVICE PLAN | 139 | $14K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 180 | $47K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 179 | $38K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 180 | $26K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 180 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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.
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.