| 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 | $74K | $1K | $75K | 3.94% |
| STANDRING FINANCIAL INSURANCE3 | 10517 S WESTERN AVENUE CHICAGO, IL 60643 | DEARBORN LIFE INSURANCE COMPANY | $15K | — | $15K | 10.51% |
| FLEXIBLE BENEFIT SERVICES CORP.3 Filed as: FLEXIBLE BENEFIT | 8770 W BRYN MAWR AVENUE SUITE 1290W CHICAGO, IL 60631 | DEARBORN LIFE INSURANCE COMPANY | — | $7K | $7K | 5.01% |
| AXION RMS LTD3 Filed as: AXION RMS LTD. | 2443 WARRENVILLE RD SUITE 610 LISLE, IL 60532 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | — | $12K | 9.04% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 306 W ERIE ST. SUITE 300 CHICAGO, IL 60654 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.36% |
| STANDRING FINANCIAL INSURANCE3 Filed as: STANDRING, ROBERT T | 10517 S WESTERN CHICAGO, IL 60643 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 15.00% |
| STANDRING FINANCIAL INSURANCE3 Filed as: STANDRING FINANCIAL INS. SERVICE | 10517 S WESTERN AVENUE CHICAGO, IL 60643 | DEARBORN LIFE INSURANCE COMPANY | $6K | — | $6K | 8.28% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY. W, VEVA 16 SUITE 320 BLUE BELL, PA 19422 | DEARBORN LIFE INSURANCE COMPANY | — | $3K | $3K | 4.06% |
| FLEXIBLE BENEFIT SERVICES CORP.3 Filed as: FLEXIBLE BENEFIT | 8770 W BRYN MAWR AVENUE SUITE 1290 W CHICAGO, IL 60631 | DEARBORN LIFE INSURANCE COMPANY | — | $650 | $650 | 0.95% |
| AXION RMS LTD3 Filed as: AXION RMS LTD. | 2443 WARRENVILLE RD SUITE 610 LISLE, IL 60532 | VISION SERVICE PLAN | $3K | — | $3K | 15.42% |
| WATCH TOWER TECHNOLOGIES INC3 Filed as: WATCH TOWER TECHNOLOGIES INC. | 306 W ERIE ST SUITE 300 CHICAGO, IL 60654 | VISION SERVICE PLAN | — | $98 | $98 | 0.46% |
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 | 248 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 344 | $1.9M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 205 | $128K |
| Vision | VISION SERVICE PLAN | 158 | $21K |
| Life insurance(2 contracts) | DEARBORN LIFE INSURANCE COMPANY | 252 | $215K |
| Short-term disability(2 contracts) | DEARBORN LIFE INSURANCE COMPANY | 252 | $215K |
| Long-term disability(2 contracts) | DEARBORN LIFE INSURANCE COMPANY | 252 | $215K |
| Other(3 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 305 | $288K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 344 | — |
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.