| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STUMM INSURANCE LLC3 Filed as: STUMM INSURANCE | 400 E. DIEHL SUITE 380 NAPERVILLE, IL 605631313 | BLUECROSS BLUESHIELD OF ILLINOIS | $47K | $1K | $48K | 4.08% |
| LOCKTON COMPANIES, LLC3 | 500 W. MONROE ST. STE. 3400 CHICAGO, IL 606613778 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $3K | $10K | 13.36% |
| STUMM INSURANCE LLC3 Filed as: STUMM INSURANCE, LLC | 6601 N. AVONDALE AVE. STE. 201 CHICAGO, IL 606311567 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $5K | $13K | 17.04% |
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 | 248 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 248 | $1.2M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 180 | $75K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 579 | $77K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 579 | $77K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 579 | $77K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 579 | $77K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 579 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 579 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.