| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, STE 310 ROSEMONT, IL 60018 | BLUECROSS BLUESHIELD OF VERMONT | $26K | — | $26K | 3.64% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, STE 310 ROSEMONT, IL 60018 | DELTA DENTAL PLAN OF VERMONT INC | $2K | — | $2K | 4.60% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLC DBA CSONE BEN | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF VERMONT INC | $336 | — | $336 | 0.90% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, STE 310 ROSEMONT, IL 60018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $464 | $3K | 17.59% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, STE 310 ROSEMONT, IL 60018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $389 | $2K | 12.60% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, STE 310 ROSEMONT, IL 60018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $798 | $145 | $943 | 17.72% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, STE 310 ROSEMONT, IL 60018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $498 | $135 | $633 | 12.71% |
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 | 87 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 19 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF VERMONT | 73 | $708K |
| Dental | DELTA DENTAL PLAN OF VERMONT INC | 87 | $37K |
| Vision(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF VERMONT | 73 | $714K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 80 | $15K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 17 | $5K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 17 | $5K |
| Prescription drug | BLUECROSS BLUESHIELD OF VERMONT | 73 | $708K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 80 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 87 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.