| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MID AMERICAN GROUP, INC.3 Filed as: MID AMERICAN GROUP | 760 PASQUINELLI DR STE 358 WESTMONT, IL 605591290 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $3K | $10K | 6.90% |
| AXION RMS LTD3 Filed as: AXION RMS, LTD. | 2651 WARRENVILLE RD STE 200 DOWNERS GROVE, IL 60515 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 2.35% |
| AGSANT GROUP INC3 | 5500 W 35TH CICERO, IL 60804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $349 | $3K | 6.53% |
| MID AMERICAN GROUP, INC.3 Filed as: MID AMERICAN GROUP | 760 PASQUINELLI DRIVE WESTMONT, IL 60559 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 2.46% |
| AXION RMS LTD3 | 2651 WARRENVILLE RD STE 200 DOWNERS GROVE, IL 60515 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $6K | $17K | 32.52% |
| AXION RMS LTD3 | 760 PASQUINELLI DR STE 358 WESTMONT, IL 605591290 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.66% |
| MID AMERICAN GROUP, INC.3 Filed as: MID AMERICAN GROUP | 760 PASQUINELLI DR STE 358 WESTMONT, IL 605591290 | VISION SERVICE PLAN | $1K | — | $1K | 5.88% |
| AXION RMS LTD3 Filed as: AXION RMS, LTD. | 2651 WARRENVILLE RD STE 200 DOWNERS GROVE, IL 60515 | VISION SERVICE PLAN | $966 | — | $966 | 4.12% |
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 | 537 | 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 |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 253 | $53K |
| Vision | VISION SERVICE PLAN | 181 | $23K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 537 | $197K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 537 | $144K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 537 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 537 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.