| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, SUITE 310 ROSEMONT, IL 600184975 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $32K | $32K | 5.26% |
| STUMM INSURANCE LLC3 | 4320 WINFIELD RD, STE 530 WARRENVILLE, IL 60555 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $6K | $6K | 0.97% |
| STUMM INSURANCE LLC3 Filed as: STUMM INSURANCE, LLC | 9400 W HIGGINS RD, STE 310 ROSEMONT, IL 600184974 | BLUECROSS BLUESHIELD OF ILLINOIS | $5K | $2K | $6K | 8.83% |
| STUMM INSURANCE LLC3 Filed as: STUMM INSURANCE, LLC | 9400 W HIGGINS RD, STE 310 ROSEMONT, IL 60018 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $381 | $5K | 10.32% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 8.37% |
| STUMM INSURANCE LLC3 Filed as: STUMM INSURANCE, LLC | 9400 W HIGGINS RD, STE 310 ROSEMONT, IL 60018 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $149 | $3K | 15.75% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MA 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 8.03% |
| STUMM INSURANCE LLC3 | 9400 WEST HIGGINS ROAD SUITE 310 ROSEMONT, IL 60018 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $68 | $1K | 15.75% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $768 | $768 | 8.42% |
| STUMM INSURANCE LLC3 Filed as: STUMM INSURANCE, LLC | 9400 W HIGGINS RD, STE 310 ROSEMONT, IL 60018 | DEARBORN LIFE INSURANCE COMPANY | $711 | $241 | $952 | 13.42% |
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 | 128 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 101 | $615K |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 152 | $70K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 59 | $7K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 129 | $51K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 129 | $51K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 101 | $615K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 129 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.