| 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 | $27K | $0 | $27K | 5.83% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, STE 310 ROSEMONT, IL 60018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 9.89% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD ST 310 ROSEMONT, IL 60018 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $1K | $10K | 16.40% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 5.00% |
| H E INSURANCE INC | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7 | $0 | $7 | 0.01% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD STE 310 ROSEMONT, IL 60018 | VISION SERVICE PLAN | $690 | $0 | $690 | 7.95% |
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 | 100 | 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) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 132 | $463K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 78 | $68K |
| Vision | VISION SERVICE PLAN | 73 | $9K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 98 | $60K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 98 | $60K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 98 | $60K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 98 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.