| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AXION RMS LTD3 | 2443 WARRENVILLE ROAD SUITE 610 LISLE, IL 60532 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $64K | $1 | $64K | 3.90% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC | — | BLUE CROSS BLUE SHIELD OF ILLINOIS | — | $3K | $3K | 0.21% |
| STANDRING FINANCIAL INSURANCE3 | 1000 HILLGROVE AVENUE SUITE 250 WESTERN SPRINGS, IL 60558 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 3.65% |
| ROBERT T. STANDRING3 Filed as: ROBERT STANDRING | 10517 S WESTERN CHICAGO, IL 60643 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 3.58% |
| AXION RMS LTD3 | 2443 WARRENVILLE ROAD SUITE 610 LISLE, IL 60532 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | — | $9K | 8.96% |
| ROBERT T. STANDRING3 Filed as: ROBERT T STANDRING | 10517 SOUTH WESTERN CHICAGO, IL 60643 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 15.09% |
| ROBERT T. STANDRING3 Filed as: ROBERT T STANDRING | 20517 S WESTERN CHICAGO, IL 60643 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.00% |
| AXION RMS LTD3 Filed as: AXION RMS, LTD | 2443 WARRENVILLE ROAD SUITE 610 LISLE, IL 60532 | VSP VISION CARE | $869 | — | $869 | 6.51% |
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 | 194 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 288 | $1.6M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 153 | $98K |
| Vision | VSP VISION CARE | 113 | $13K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 169 | $132K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 169 | $132K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 169 | $132K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 234 | $215K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 288 | — |
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.