| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AXION RMS LTD3 | 2651 WARRENVILLE ROADE, SUITE 200 DOWNERS GROVE, IL 60515 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $80K | — | $80K | 5.24% |
| MID AMERICAN GROUP, INC.3 | 760 PASQUINELLI, SUITE 358 WESTMONT, IL 60559 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $16K | $2K | $18K | 1.17% |
| AXION RMS LTD3 Filed as: AXION RMS | 2651 WARRENVILLE ROAD, SUITE 200 DOWNERS GROVE, IL 60515 | COMPANION LIFE INSURANCE COMPANY | $26K | — | $26K | 6.02% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | COMPANION LIFE INSURANCE COMPANY | $17K | — | $17K | 3.98% |
| AXION RMS LTD3 | 2651 WARRENVILLE ROAD, SUITE 200 DOWNERS GROVE, IL 60515 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | — | $26K | 12.33% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $52 | $6K | 3.04% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | — | $651 | $651 | 0.31% |
| AXION RMS LTD3 | 2651 WARRENVILLE ROAD, SUITE 200 DOWNERS GROVE, IL 60515 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | METROPOLITAN LIFE INSURANCE COMPANY | — | $52 | $52 | 0.18% |
| MID AMERICAN GROUP, INC.3 Filed as: MID AMERICAN GROUP | 760 PASQUINELLI DRIVE, SUITE 358 WESTMONT, IL 60559 | EYEMED VISION CARE | $224 | — | $224 | 5.58% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | EYEMED VISION CARE | $106 | — | $106 | 2.64% |
| AXION RMS LTD3 | 2651 WARRENVILLE ROAD, SUITE 200 DOWNERS GROVE, IL 60515 | SAFEGUARD HEALTH PLANS, INC. | $296 | — | $296 | 10.02% |
| AXION RMS LTD3 | 2651 WARRENVILLE ROAD, SUITE 200 DOWNERS GROVE, IL 60515 | SAFEGUARD HEALTH PLANS, INC. | $48 | — | $48 | 7.79% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | SAFEGUARD HEALTH PLANS, INC. | $14 | — | $14 | 2.27% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | SAFEGUARD HEALTH PLANS, INC. | — | $2 | $2 | 0.32% |
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 | 134 | 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) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE INSURANCE COMPANY | 194 | $434K |
| Dental(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 604 | $240K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 604 | $212K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 604 | $208K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 604 | $208K |
| Prescription drug | COMPANION LIFE INSURANCE COMPANY | 194 | $434K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF ILLINOIS | 327 | $1.5M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 604 | $208K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 604 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.