| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STUMM, BRIAN3 | 3056 ELLEBY CT. NORTH AURORA, IL 60542 | HIGHMARK INC. | $43K | — | $43K | 2.41% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 100 PINEWOOD LANE, SUITE 301 WARRENDALE, PA 15086 | HIGHMARK INC. | $11K | — | $11K | 0.60% |
| STUMM INSURANCE LLC3 Filed as: STUMM INSURANCE, LLC | 9400 W HIGGINS RD STE 310 ROSEMONT, IL 60018 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $125 | $3K | 15.68% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD STE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 8.89% |
| STUMM INSURANCE LLC3 Filed as: STUMM INSURANCE, LLC | 9400 W HIGGINS RD STE 310 ROSEMONT, IL 60018 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $97 | $2K | 15.67% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 8.18% |
| STUMM INSURANCE LLC3 Filed as: STUMM INSURANCE, LLC | 9400 W HIGGINS RD STE 310 ROSEMONT, IL 60018 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $96 | $2K | 15.69% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 7.67% |
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 | 189 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 203 | $1.8M |
| Dental | HIGHMARK INC. | 203 | $1.8M |
| Vision | HIGHMARK INC. | 203 | $1.8M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 187 | $18K |
| Prescription drug | HIGHMARK INC. | 203 | $1.8M |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 187 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.