| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, STE 310 ROSEMONT, IL 600184974 | BLUECROSS BLUESHIELD OF ILLINOIS | $51K | $3K | $53K | 4.15% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, STE 310 ROSEMONT, IL 60018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | — | $6K | 7.40% |
| STUMM INSURANCE LLC3 Filed as: STUMM INSURANCE, LLC | 9400 W HIGGINS RD, STE 310 ROSEMONT, IL 60018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $1K | $10K | 17.53% |
| STUMM INSURANCE LLC3 Filed as: STUMM INSURANCE, LLC | 9400 W HIGGINS RD, STE 310 ROSEMONT, IL 60018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $1K | $7K | 17.52% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, STE 310 ROSEMONT, IL 60018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $571 | $4K | 17.52% |
| STUMM INSURANCE LLC3 Filed as: STUMM INSURANCE, LLC | 9400 W HIGGINS RD, STE 310 ROSEMONT, IL 60018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $406 | $3K | 23.15% |
| STUMM INSURANCE LLC3 Filed as: STUMM INSURANCE, LLC | 9400 W HIGGINS RD, STE 310 ROSEMONT, IL 600184975 | VISION SERVICE PLAN | $819 | — | $819 | 6.80% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC DBA EASE CENTRAL | 1980 FESTIVAL PLAZA DR STE 810 LAS VEGAS, NV 891352958 | VISION SERVICE PLAN | $148 | — | $148 | 1.23% |
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 | 160 | 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) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 213 | $1.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 126 | $76K |
| Vision | VISION SERVICE PLAN | 119 | $12K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 158 | $23K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 158 | $57K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 158 | $40K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 213 | $1.3M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 158 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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.