| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 300 GALLERIA PKWY SE STE 1100 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $74K | — | $74K | 1.74% |
| AXION RMS LTD3 | 2443 WARRENVILLE RD SUITE 610 LISLE, IL 60532 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $50K | $2K | $52K | 1.23% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PKWY SE ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25K | — | $25K | 18.16% |
| AXION RMS LTD3 | 2443 WARRENVILLE RD SUITE 610 LISLE, IL 60532 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 9.12% |
| WATCH TOWER TECHNOLOGIES INC3 | 306 W ERIE ST FLOOR 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $933 | $933 | 0.68% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PKWY SE ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | — | $19K | 18.24% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: AXION RISK MANAGEMENT STRATEGIES | 2443 WARRENVILLE RD STE 610 LISLE, IL 60532 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 9.08% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES | 306 W ERIE STREET FLOOR 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $720 | $720 | 0.68% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 300 GALLERIA PKWY SE STE 1100 ATLANTA, GA 30339 | VISION SERVICE PLAN | $2K | — | $2K | 6.61% |
| AXION RMS LTD3 Filed as: AXION RMS LTD. | 2443 WARRENVILLE RD SUITE 610 LISLE, IL 60532 | VISION SERVICE PLAN | $1K | — | $1K | 3.39% |
| WATCH TOWER TECHNOLOGIES INC3 Filed as: WATCH TOWER TECHNOLOGIES INC. | 306 W ERIE ST SUITE 300 CHICAGO, IL 60654 | VISION SERVICE PLAN | $187 | — | $187 | 0.50% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PKWY SE ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 18.19% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: AXION RISK MANAGEMENT STRATEGIES | 2443 WARRENVILLE RD. STE 610 LISLE, IL 60532 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 9.11% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST FLOOR 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $153 | $153 | 0.68% |
| DIGITAL INSURANCE LLC3 | 300 GALLERIA PKWY SE STE 1100 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 8.23% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: AXION RISK MANAGEMENT STRATEGIES | 2443 WARRENVILLE RD STE 610 LISLE, IL 60532 | UNITEDHEALTHCARE INSURANCE COMPANY | $235 | — | $235 | 1.23% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 400 GALLERIA PKWY STE 300 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 13.18% |
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 | 288 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 512 | $4.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 10 | $19K |
| Vision | VISION SERVICE PLAN | 208 | $37K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 295 | $136K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 295 | $106K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 295 | $106K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 295 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 512 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.