| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, STE 310 ROSEMONT, IL 60018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $26K | $45K | $72K | 16.38% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, STE 310 ROSEMONT, IL 60018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | — | $6K | 9.89% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, STE 310 ROSEMONT, IL 60018 | GUARDIAN | $4K | — | $4K | 14.26% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD. STE 300 KIRKWOOD, MO 63122 | GUARDIAN | $2K | — | $2K | 5.00% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, STE 310 ROSEMONT, IL 60018 | PRUDENTIAL | $6K | $4K | $10K | 37.44% |
| THE PLEXUS GROUPE LLC3 Filed as: PLEXUS GROUPE LLC | 21805 FIELD PARKWAY SUITE 300 DEER PARK, IL 60010 | PRUDENTIAL | $799 | — | $799 | 2.86% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, STE 310 ROSEMONT, IL 60018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 12.02% |
| THE PLEXUS GROUPE LLC3 Filed as: PLEXUS GROUPE LLC | 21805 FIELD PARKWAY SUITE 300 DEER PARK, IL 60010 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $585 | — | $585 | 2.98% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, STE 310 ROSEMONT, IL 60018 | VISION SERVICE PLAN | $675 | — | $675 | 7.82% |
| THE PLEXUS GROUPE LLC3 Filed as: PLEXUS GROUPE LLC | 21805 FIELD PARKWAY SUITE 300 DEER PARK, IL 60010 | VISION SERVICE PLAN | -$2 | — | -$2 | -0.02% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, STE 310 ROSEMONT, IL 60018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $243 | — | $243 | 11.98% |
| THE PLEXUS GROUPE LLC3 Filed as: PLEXUS GROUPE LLC | 21805 FIELD PARKWAY SUITE 300 DEER PARK, IL 60010 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $61 | — | $61 | 3.01% |
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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 134 | $439K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 88 | $63K |
| Vision | VISION SERVICE PLAN | 83 | $9K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 117 | $51K |
| Short-term disability | GUARDIAN | 117 | $31K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN | 117 | $59K |
| Other(3 contracts, 2 carriers) | GUARDIAN | 117 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.