| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AXION RMS LTD3 | 2443 WARRENVILLE RD SUITE 610 LISLE, IL 60532 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $133K | $2K | $135K | 3.55% |
| AXION RMS LTD0 | 2443 WARRENVILLE RD SUITE 610 LISLE, IL 60532 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $32K | — | $32K | 20.00% |
| WATCH TOWER TECHNOLOGIES INC3 | 306 W ERIE ST FLOOR 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 1.48% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: AXION RISK MANAGEMENT STRATEGIES | 2443 WARRENVILLE RD STE 610 LISLE, IL 60532 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $24K | — | $24K | 20.00% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES | 306 W ERIE STREET FLOOR 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 1.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | PO BOX 350 CONSHOHOCKEN, PA 19428 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 5.78% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS AND INSURANCE SVCS | 1850 GATEWAY DR. STE 700 SAN MATEO, CA 94404 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 5.02% |
| AXION RMS LTD3 Filed as: AXION RMS LTD. | 2443 WARRENVILLE RD SUITE 610 LISLE, IL 60532 | VISION SERVICE PLAN | $4K | — | $4K | 10.00% |
| WATCH TOWER TECHNOLOGIES INC3 Filed as: WATCH TOWER TECHNOLOGIES INC. | 306 W ERIE ST SUITE 300 CHICAGO, IL 60654 | VISION SERVICE PLAN | $183 | — | $183 | 0.50% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: AXION RISK MANAGEMENT STRATEGIES | 2443 WARRENVILLE RD. STE 610 LISLE, IL 60532 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 20.00% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST FLOOR 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $383 | $383 | 1.50% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: AXION RISK MANAGEMENT STRATEGIES | 2443 WARRENVILLE RD STE 610 LISLE, IL 60532 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 28.33% |
| AXION RMS LTD3 | 2443 WARRENVILLE RD SUITE 610 LISLE, IL 60532 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $375 | — | $375 | 10.01% |
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 | 296 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 301 | 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 | 519 | $3.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 30 | $103K |
| Vision | VISION SERVICE PLAN | 206 | $37K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $159K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $121K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $121K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 135 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 519 | — |
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.