| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STUMM INSURANCE LLC3 | 2129 W. BELMONT STE 1E CHICAGO, IL 60618 | BLUECROSS BLUESHIELD OF ILLINOIS | $136K | $5K | $141K | 2.40% |
| MIDWEST CAPITAL FINANCIAL GROUP3 | 1900 SPRING RD STE 530 OAK BROOK, IL 60523 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 5.10% |
| MIDWEST CAPITAL FINANCIAL GROUP3 | 1900 SPRING RD STE 530 OAK BROOK, IL 60523 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 13.90% |
| STUMM INSURANCE LLC3 | 6601 N AVONDALE AVE STE 201 CHICAGO, IL 606311567 | VISION SERVICE PLAN | $2K | — | $2K | 2.98% |
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 | 658 | 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) | 658 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 1,113 | $5.9M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 855 | $290K |
| Vision | VISION SERVICE PLAN | 447 | $64K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 691 | $297K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 691 | $167K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF ILLINOIS | 1,113 | $5.9M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 691 | $297K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,113 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.