| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STUMM INSURANCE LLC Filed as: STUMM INSURANCE LLP | 9400 W. HIGGINS SUITE 310 ROSEMONT, IL 60018 | HEALTH CARE SERVICE CORPORATION | $28K | $2K | $30K | 4.32% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS ROAD STE 310 ROSEMONT, IL 60018 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 13.32% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD SUITE 300 KIRKWOOD, MO 63122 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 5.01% |
| STUMM INSURANCE LLC3 Filed as: STUMM INSURANCE LLP | 9400 W. HIGGINS ROAD SUITE 310 ROSEMONT, IL 60018 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 9.22% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD SUITE 300 KIRKWOOD, MO 63122 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 4.61% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| STUMM INSURANCE LLC EIN 51-0374214 NONE | Custodial (securities) Service code 19 | 9400 W. HIGGINS ROAD SUITE 310 ROSEMONT, IL 60018 | $39K |
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 | 67 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 68 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 96 | $692K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 36 | $27K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 97 | $51K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 97 | $51K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 97 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 97 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.