| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES P LILL3 | 2443 WARRENVILLE RD STE 610 LISLE, IL 60532 | BLUE CARE NETWORK OF MICHIGAN | $19K | $0 | $19K | 2.64% |
| JAMES P LILL3 | 2443 WARRENVILLE RD STE 610 LISLE, IL 60532 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $8K | $0 | $8K | 2.42% |
| AXION RMS LTD3 | 2443 WARRENVILLE RD STE 610 LISLE, IL 60532 | SYMETRA LIFE INSURANCE COMPANY | $43K | $0 | $43K | 40.00% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHOLOGIES INC | 2734 N MILDRED AVE #3 CHICAGO, IL 60614 | SYMETRA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.54% |
| AXION RMS LTD3 Filed as: AXION RMS, LTD. | 2443 WARRENVILLE RD STE 610 LISLE, IL 60532 | DELTA DENTAL OF MICHIGAN | $10K | $0 | $10K | 9.27% |
| AXION RMS LTD3 Filed as: AXION RMS, LTD. | 2443 WARRENVILLE RD STE 610 LISLE, IL 60532 | METROPOLITAN LIFE INSURANCE COMPANY | $792 | $0 | $792 | 9.19% |
| AXION RMS LTD3 Filed as: AXION RMS, LTD | 2443 WARRENVILLE RD STE 610 LISLE, IL 60532 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $87 | $0 | $87 | 11.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $30 | $0 | $30 | 3.86% |
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 | 92 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 99 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 113 | $1.0M |
| Dental | DELTA DENTAL OF MICHIGAN | 184 | $103K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 237 | $9K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 92 | $107K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 92 | $107K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 92 | $107K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 113 | $1.0M |
| Other(3 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 94 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.