| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, STE 405 ROSEMONT, IL 60018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $3K | $7K | 4.85% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP, LLC | 325 N KIRKWOOD RD, STE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 2.89% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP, LLC | 325 N KIRKWOOD RD, STE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 4.12% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, SUITE 405 ROSEMONT, IL 60018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 3.70% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP, LLC | 325 N KIRKWOOD RD, STE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 4.04% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, SUITE 405 ROSEMONT, IL 60018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 3.53% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP, LLC | 325 N KIRKWOOD RD, STE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 4.06% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, STE 405 ROSEMONT, IL 60018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 3.55% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, STE 405 ROSEMONT, IL 60018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 9.53% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP, LLC | 325 N KIRKWOOD RD, STE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $988 | $988 | 2.90% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP, LLC | 325 N KIRKWOOD RD, STE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 4.06% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, SUITE 405 ROSEMONT, IL 60018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.56% |
| STUMM INSURANCE LLC3 Filed as: STUMM INSURANCE LLC - CISA | 9400 W HIGGINS RD STE 405 ROSEMONT, IL 600184975 | FEDERAL INSURANCE COMPANY | — | — | $0 | 0.00% |
| STUMM INSURANCE LLC3 Filed as: STUMM INSURANCE, LLC | 6601 NORTH AVONDALE AVE, SUITE 201 CHICAGO, IL 60531 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | — | $0 | — |
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 | 387 | 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) | 387 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 268 | $32K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 272 | $71K |
| Other(7 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 387 | $391K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 387 | — |
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.