| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, SUITE 310 ROSEMONT, IL 60018 | BLUE CROSS AND BLUE SHIELD OF VERMONT | $23K | — | $23K | 2.77% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, SUITE 310 ROSEMONT, IL 60018 | AMERITAS LIFE INSURANCE CORPORATION | $5K | — | $5K | 10.00% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, SUITE 310 ROSEMONT, IL 60018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, SUITE 310 ROSEMONT, IL 60018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, SUITE 310 ROSEMONT, IL 60018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $803 | — | $803 | 15.00% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, SUITE 310 ROSEMONT, IL 60018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $504 | — | $504 | 10.00% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, SUITE 310 ROSEMONT, IL 60018 | EYEMED VISION CARE/FIDELITY SECURITY LIFE INSURANCE COMPANY | $457 | — | $457 | 11.57% |
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 | 109 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 25 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF VERMONT | 93 | $832K |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 66 | $52K |
| Vision(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF VERMONT | 93 | $888K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 99 | $14K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 17 | $5K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 17 | $5K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF VERMONT | 93 | $832K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 99 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 99 | — |
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.