| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AXION RMS LTD3 | 2443 WARRENVILLE RD STE 610 LISLE, IL 605324357 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $50K | $50K | 4.17% |
| AXION RMS LTD3 | 2443 WARRENVILLE RD STE 610 LISLE, IL 60532 | HUMANA | $2K | — | $2K | 1.76% |
| AXION RMS LTD3 | 2443 WARRENVILLE RD 610 LISLE, IL 60532 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 20.00% |
| ACCORDWARE LLC3 | 2250 BUTTERFIELD DR STE 230 TROY, MI 48084 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 4.00% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 WEST MONROE ST STE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $514 | $514 | 1.37% |
| AXION RMS LTD3 | 2443 WARRENVILLE RD 610 LISLE, IL 60532 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 19.99% |
| ACCORDWARE LLC3 | 2250 BUTTERFIELD DR STE 230 TROY, MI 48084 | STANDARD INSURANCE COMPANY | — | $983 | $983 | 4.00% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES | 227 WEST MONROE ST STE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $338 | $338 | 1.37% |
| AXION RMS LTD3 | 2443 WARRENVILLE RD STE 610 LISLE, IL 60532 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 20.00% |
| ACCORDWARE LLC3 | 2250 BUTTERFIELD DR STE 230 TROY, MI 48084 | STANDARD INSURANCE COMPANY | — | $908 | $908 | 4.00% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 WEST MONROE ST STE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $310 | $310 | 1.36% |
| AXION RMS LTD3 | 2443 WARRENVILLE RD, STE 610 LISLE, IL 60532 | THE HARTFORD | $3K | — | $3K | 20.00% |
| AXION RMS LTD3 | 2443 WARRENVILLE RD 610 LISLE, IL 60532 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| ACCORDWARE LLC3 | 2250 BUTTERFIELD DR STE 230 TROY, MI 48084 | STANDARD INSURANCE COMPANY | — | $233 | $233 | 2.00% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 WEST MONROE ST STE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $148 | $148 | 1.27% |
| AXION RMS LTD3 | 2443 WARRENVILLE RD STE 610 LISLE, IL 60532 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 18.71% |
| ACCORDWARE LLC3 | 2250 BUTTERFIELD DR STE 230 TROY, MI 48084 | STANDARD INSURANCE COMPANY | — | $319 | $319 | 2.96% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 WEST MONROE ST STE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $107 | $107 | 0.99% |
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 | 110 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 57 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 193 | $1.3M |
| Vision | STANDARD INSURANCE COMPANY | 106 | $12K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 111 | $38K |
| Short-term disability | STANDARD INSURANCE COMPANY | 95 | $37K |
| Long-term disability | STANDARD INSURANCE COMPANY | 60 | $23K |
| Other | THE HARTFORD | 57 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.