| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AXION RMS LTD3 | 2443 WARRENVILLE RD STE 610 LISLE, IL 605324357 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $48K | $48K | 4.56% |
| AXION RMS LTD3 | 2443 WARRENVILLE RD STE 610 LISLE, IL 60532 | HUMANA | $2K | — | $2K | 1.99% |
| AXION RMS LTD3 | 2443 WARRENVILLE RD 610 LISLE, IL 60532 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 22.48% |
| 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 | — | $543 | $543 | 1.50% |
| AXION RMS LTD3 | 2443 WARRENVILLE RD 610 LISLE, IL 60532 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 22.55% |
| ACCORDWARE LLC3 | 2250 BUTTERFIELD DR STE 230 TROY, MI 48084 | STANDARD INSURANCE COMPANY | — | $939 | $939 | 4.00% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES | 227 WEST MONROE ST STE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $352 | $352 | 1.50% |
| AXION RMS LTD3 | 2443 WARRENVILLE RD STE 610 LISLE, IL 60532 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 22.53% |
| ACCORDWARE LLC3 | 2250 BUTTERFIELD DR STE 230 TROY, MI 48084 | STANDARD INSURANCE COMPANY | — | $830 | $830 | 4.00% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 WEST MONROE ST STE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $311 | $311 | 1.50% |
| 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 | 20.96% |
| ACCORDWARE LLC3 | 2250 BUTTERFIELD DR STE 230 TROY, MI 48084 | STANDARD INSURANCE COMPANY | — | $190 | $190 | 1.83% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 WEST MONROE ST STE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $143 | $143 | 1.38% |
| AXION RMS LTD3 | 2443 WARRENVILLE RD STE 610 LISLE, IL 60532 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 22.52% |
| ACCORDWARE LLC3 | 2250 BUTTERFIELD DR STE 230 TROY, MI 48084 | STANDARD INSURANCE COMPANY | — | $336 | $336 | 4.00% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 WEST MONROE ST STE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $105 | $105 | 1.25% |
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 | 102 | 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) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 203 | $1.1M |
| Vision | STANDARD INSURANCE COMPANY | 96 | $10K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 100 | $37K |
| Short-term disability | STANDARD INSURANCE COMPANY | 93 | $36K |
| Long-term disability | STANDARD INSURANCE COMPANY | 55 | $21K |
| Other | THE HARTFORD | 57 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.