| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, STE 310 ROSEMONT, IL 60018 | BLUE CROSS AND BLUE SHIELD OF VERMONT | $20K | — | $20K | 2.67% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, STE 310 ROSEMONT, IL 60018 | AMERITAS LIFE INSURANCE CORP | $4K | — | $4K | 10.00% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, STE 310 ROSEMONT, IL 60018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $504 | $3K | 18.38% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, STE 310 ROSEMONT, IL 60018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $435 | $2K | 13.32% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, STE 310 ROSEMONT, IL 60018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $811 | $175 | $986 | 18.24% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, STE 310 ROSEMONT, IL 60018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $508 | $164 | $672 | 13.23% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, STE 310 ROSEMONT, IL 60018 | EYEMED VISION CARE | $417 | — | $417 | 9.47% |
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 | 83 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 18 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF VERMONT | 66 | $752K |
| Dental | AMERITAS LIFE INSURANCE CORP | 53 | $45K |
| Vision(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF VERMONT | 160 | $801K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 82 | $13K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 16 | $5K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 16 | $5K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF VERMONT | 66 | $752K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 82 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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.