| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANCE BENEFIT CONSULTANTS INC3 | 2630 FLOSSMOOR RD #101 FLOSSMOOR, IL 60422 | BLUECROSS BLUESHIELD OF ILLINOIS | $62K | — | $62K | 2.92% |
| STUMM INSURANCE LLC3 Filed as: STUMM INSURANCE | 9400 W HIGGINS RD STE 310 ROSEMONT, IL 60018 | BLUECROSS BLUESHIELD OF ILLINOIS | $19K | — | $19K | 0.92% |
| SCOTT ROBERT B3 | 1820 RIDGE ROAD STE 201 HOMEWOOD, IL 60430 | KANSAS CITY LIFE INSURANCE COMPANY | $13K | $0 | $13K | 7.39% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | KANSAS CITY LIFE INSURANCE COMPANY | $9K | $0 | $9K | 5.06% |
| STUMM INSURANCE LLC3 Filed as: STUMM INSURANCE | 6601 N AVONDALE SUITE 201 CHICAGO, IL 60631 | KANSAS CITY LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.44% |
| ALLIANCE BENEFIT CONSULTANTS INC3 | 2630 FLOSSMOOR RD #101 FLOSSMOOR, IL 60422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.31% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 4.89% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 4.52% |
| INNOVATIVE BROKER SOLUTIONS LTD3 | 9405 BORMET DR, STE 3 MOKENA, IL 60448 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $836 | $836 | 1.59% |
| STUMM INSURANCE LLC3 Filed as: STUMM INSURANCE | 9400 W. HIGGINS RD STE 310 ROSEMONT, IL 60018 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $586 | — | $586 | 1.12% |
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 | 140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 270 | $2.1M |
| Dental | KANSAS CITY LIFE INSURANCE COMPANY | 142 | $179K |
| Vision | KANSAS CITY LIFE INSURANCE COMPANY | 142 | $179K |
| Life insurance | KANSAS CITY LIFE INSURANCE COMPANY | 142 | $179K |
| Short-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 142 | $179K |
| Long-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 142 | $179K |
| Other(2 contracts, 2 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 167 | $231K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.