| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STUMM INSURANCE LLC3 | 9400 WEST HIGGINS ROAD, SUITE 405 ROSEMONT, IL 60018 | BLUECROSS BLUESHIELD OF ILLINOIS | $59K | $5K | $64K | 4.46% |
| STUMM INSURANCE LLC3 | 9400 WEST HIGGINS ROAD, SUITE 405 ROSEMONT, IL 60018 | GUARDIAN | $20K | $4K | $24K | 18.09% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD, STE 300 KIRKWOOD, MA 63122 | GUARDIAN | $7K | — | $7K | 5.00% |
| STUMM INSURANCE LLC3 | 9400 WEST HIGGINS ROAD, SUITE 405 ROSEMONT, IL 60018 | DEARBORN LIFE INSURANCE COMPANY | $6K | $5K | $11K | 29.32% |
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 | 157 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | 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 | 219 | $1.4M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 219 | $1.4M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 261 | $39K |
| Life insurance | GUARDIAN | 165 | $135K |
| Short-term disability | GUARDIAN | 165 | $135K |
| Long-term disability | GUARDIAN | 165 | $135K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 219 | $1.4M |
| Other(2 contracts, 2 carriers) | GUARDIAN | 261 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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.