| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MID AMERICAN GROUP, INC.3 Filed as: MID AMERICAN GROUP INC. | 760 PASQUINELLI DRIVE SUITE 358 WESTMONT, IL 60559 | BLUECROSS BLUESHIELD OF ILLINOIS | $21K | $2K | $23K | 4.49% |
| AXION RMS LTD3 Filed as: AXION RMS LIMITED | 2651 WARRENVILLE ROAD SUITE 200 DOWNERS GROVE, IL 60515 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 6.63% |
| RSC INSURANCE BROKERAGE INC3 | 333 WEST WACKER DRIVE SUITE 1950 CHICAGO, IL 60606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.19% |
| DAILYFEATS INC.3 | 131 TREMONT STREET 3RD FLOOR BOSTON, MA 02111 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $126 | — | $126 | 0.25% |
| RSC INSURANCE BROKERAGE INC3 | 333 WEST WACKER DRIVE SUITE 1950 CHICAGO, IL 60606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $93 | — | $93 | 0.18% |
| THE HUNKEN AGENCY, INC.3 | 2550 COMPASS ROAD SUITE H GLENVIEW, IL 60026 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8 | — | $8 | 0.02% |
| MID AMERICAN GROUP, INC.3 Filed as: MID AMERICAN GROUP INC | 760 PASQUINELLI DRIVE SUITE 358 WESTMONT, IL 60559 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 11.91% |
| RSC INSURANCE BROKERAGE INC3 | 401 NORTH MICHIGAN AVENUE SUITE 1200 CHICAGO, IL 60611 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 7.86% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $663 | $663 | 1.42% |
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 | 126 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 132 | $507K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 82 | $51K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 82 | $51K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 129 | $47K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 129 | $47K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 129 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.