| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AXION RMS LTD3 Filed as: AXION RMS,LTD | 760 PASQUINELLI DRIVE SUITE 358 WESTMONT, IL 60559 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $63K | $2K | $64K | 3.94% |
| AXION RMS LTD3 Filed as: AXION RMS, LTD | 760 PASQUINELLI DRIVE SUITE 358 WESTMONT, IL 60559 | DELTA DENTAL OF ILLINOIS | $10K | — | $10K | 8.00% |
| AXION RMS LTD3 Filed as: AXION RMS, LTD | 760 PASQUINELLI DRIVE SUITE 358 WESTMONT, IL 60559 | CIGNA GROUP INSURANCE | $23K | — | $23K | 20.00% |
| AXION RMS LTD3 Filed as: AXION RMS, LTD | 760 PASQUINELLI DRIVE SUITE 200 WESTMONT, IL 60559 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $6K | — | $6K | 7.13% |
| AXION RMS LTD3 Filed as: AXION RMS, LTD | 760 PASQUINELLI DRIVE SUITE 200 WESTMONT, IL 60559 | HUMANA DENTAL INSURANCE COMPANY | $221 | — | $221 | 0.37% |
| BENEFITDECISIONS.COM3 Filed as: BENEFITDECISIONS COM | 125 S WACKER DR SUITE 2075 CHICAGO, IL 606064416 | HUMANA DENTAL INSURANCE COMPANY | $147 | — | $147 | 0.25% |
| AXION RMS LTD3 Filed as: AXION RMS, LTD | 760 PASQUINELLI DRIVE SUITE 358 WESTMONT, IL 60559 | VSP | $1K | — | $1K | 10.00% |
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 | 242 | 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 |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 447 | $1.7M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF ILLINOIS | 235 | $179K |
| Vision | VSP | 143 | $12K |
| Life insurance | CIGNA GROUP INSURANCE | 242 | $114K |
| Long-term disability | CIGNA GROUP INSURANCE | 242 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 447 | — |
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.