| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STUMM INSURANCE LLC3 Filed as: STUMM INSURANCE | 2129 W. BELMONT STE #1E CHICAGO, IL 60618 | BLUECROSS BLUESHIELD OF ILLINOIS | $28K | $1K | $29K | 3.54% |
| STUMM INSURANCE LLC3 Filed as: STUMM INSURANCE, LLC | 6601 N AVONDALE STE 201 CHICAGO, IL 60631 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $104 | $2K | 15.02% |
| STUMM INSURANCE LLC3 | 6601 N. AVONDALE #201 CHICAGO, IL 60631 | EYEMED VISION CARE | $992 | — | $992 | 11.85% |
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 | 225 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 214 | $832K |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 214 | $832K |
| Vision | EYEMED VISION CARE | 141 | $8K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 225 | $14K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 225 | $14K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 225 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.