| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AXION RMS LTD3 | 2651 WARRENVILLE ROAD SUITE 200 DOWNERS GROVE, IL 60515 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $89K | — | $89K | 31.87% |
| MID AMERICAN GROUP, INC.3 | 760 PASQUINELLI DRIVE 358 WESTMONT, IL 60559 | BLUE CROSS BLUE SHIELD OF ILLINOIS | — | $1K | $1K | 0.50% |
| AXION RMS LTD3 Filed as: AXION RMS LTD. | 2651 WARRENVILLE RD STE 200 DOWNERS GROVE, IL 60515 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $27K | — | $27K | 19.49% |
| MID AMERICAN GROUP, INC.3 | 760 PASQUINELLI DRIVE 358 WESTMONT, IL 60559 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 3.20% |
| AXION RMS LTD3 | 2651 WARRENVILLE RD STE 200 DOWNERS GROVE, IL 60515 | DELTA DENTAL OF ILLINOIS | $6K | — | $6K | 37.27% |
| MID AMERICAN GROUP, INC.3 | 760 PASQUINELLI DRIVE 358 WESTMONT, IL 60559 | DELTA DENTAL OF ILLINOIS | $1K | — | $1K | 7.21% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: AXION RISK MANAGEMENT STATEGIES | 2651 WARRENVILLE ROAD SUITE 200 DOWNERS GROVE, IL 60515 | EYE MED | $637 | — | $637 | 10.04% |
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 | 163 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 332 | $278K |
| Dental | DELTA DENTAL OF ILLINOIS | 152 | $16K |
| Vision | EYE MED | 120 | $6K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 163 | $140K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 163 | $140K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 163 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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.