| 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 | $38K | $788 | $39K | 3.90% |
| AXION RMS LTD3 | 2443 WARRENVILLE RD #610 LISLE, IL 60532 | STANDARD INSURANCE COMPANY | $7K | $207 | $7K | 10.31% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | 227 W MONROE ST SUITE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 1.50% |
| AXION RMS LTD3 | 2443 WARRENVILLE RD #610 LISLE, IL 60532 | STANDARD INSURANCE COMPANY | $4K | $209 | $4K | 20.21% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $320 | $320 | 1.45% |
| AXION RMS LTD3 | 2443 WARRENVILLE RD #610 LISLE, IL 60532 | STANDARD INSURANCE COMPANY | $2K | $95 | $2K | 20.21% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $164 | $164 | 1.45% |
| AXION RMS LTD3 | 2443 WARRENVILLE RD SUITE 610 LISLE, IL 60532 | EYEMED VISION CARE | $827 | — | $827 | 9.93% |
| THREEFLOW3 | 306 WEST ERIE ST SUITE #300 CHICAGO, IL 60654 | EYEMED VISION CARE | $103 | — | $103 | 1.24% |
| THREEFLOW3 | 227 W MONROE STREET SUITE 5200 CHICAGO, IL 60606 | EYEMED VISION CARE | $25 | — | $25 | 0.30% |
| AXION RMS LTD3 | 2443 WARRENVILLE RD #610 LISLE, IL 60532 | STANDARD INSURANCE COMPANY | $1K | $54 | $1K | 20.84% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $97 | $97 | 1.49% |
| AXION RMS LTD3 | 2443 WARRENVILLE RD #610 LISLE, IL 60532 | STANDARD INSURANCE COMPANY | $1K | $36 | $1K | 19.95% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $80 | $80 | 1.44% |
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 | 111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 19 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 192 | $993K |
| Dental | STANDARD INSURANCE COMPANY | 105 | $68K |
| Vision | EYEMED VISION CARE | 80 | $8K |
| Life insurance | STANDARD INSURANCE COMPANY | 142 | $22K |
| Short-term disability | STANDARD INSURANCE COMPANY | 29 | $11K |
| Long-term disability | STANDARD INSURANCE COMPANY | 31 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.