| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, STE 405 ROSEMONT, IL 600184975 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $8K | $8K | 0.44% |
| TRI-STATE BENEFIT SPECIALISTS3 | 5010 DAVIS LANT DR STE 3 EVANSVILLE, IN 477158947 | UNITEDHEALTHCARE INSURANCE COMPANY | -$28 | $7K | $7K | 0.38% |
| BETTER BENEFITS LLC3 Filed as: BETTER BENEFITS, LLC | 6888 COTTAGE LN NEWBURGH, IN 476309651 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $1K | $1K | 0.07% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, STE 405 ROSEMONT, IL 60018 | HEALTH RESOURCES INC. | $4K | — | $4K | 3.48% |
| TRI-STATE BENEFIT SPECIALISTS3 Filed as: TRI-STATE BENEFIT SPECIALISTS LLC | 5010 DAVIS LANT DR STE 3 EVANSVILLE, IN 47715 | HEALTH RESOURCES INC. | $3K | — | $3K | 2.52% |
| TRI-STATE BENEFIT SPECIALISTS3 | 5010 DAVIS LANT DR STE 3 EVANSVILLE, IN 47715 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $884 | $2K | 5.93% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, STE 405 ROSEMONT, IL 60018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 5.77% |
| BETTER BENEFITS LLC3 Filed as: BETTER BENEFITS, LLC | 6888 COTTAGE LN NEWBURGH, IN 47630 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $293 | — | $293 | 0.84% |
| TRI-STATE BENEFIT SPECIALISTS3 | 5010 DAVIS LANT DR STE 3 EVANSVILLE, IN 47715 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $831 | $2K | 5.93% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, STE 405 ROSEMONT, IL 60018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 5.76% |
| BETTER BENEFITS LLC3 Filed as: BETTER BENEFITS, LLC | 6888 COTTAGE LN NEWBURGH, IN 47630 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $276 | — | $276 | 0.84% |
| TRI-STATE BENEFIT SPECIALISTS3 | 5010 DAVIS LANT DR STE 3 EVANSVILLE, IN 47715 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $776 | $2K | 5.93% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, STE 405 ROSEMONT, IL 60018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 5.82% |
| BETTER BENEFITS LLC3 Filed as: BETTER BENEFITS, LLC | 6888 COTTAGE LN NEWBURGH, IN 47630 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $241 | — | $241 | 0.79% |
| TRI-STATE BENEFIT SPECIALISTS3 | 5010 DAVIS LANT DR STE 3 EVANSVILLE, IN 47715 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $751 | $554 | $1K | 5.90% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, STE 405 ROSEMONT, IL 60018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 5.77% |
| BETTER BENEFITS LLC3 Filed as: BETTER BENEFITS, LLC | 6888 COTTAGE LN NEWBURGH, IN 47630 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $186 | — | $186 | 0.84% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, STE 405 ROSEMONT, IL 60018 | VISION SERVICE PLAN | $655 | — | $655 | 3.91% |
| TRI-STATE BENEFIT SPECIALISTS3 | 5010 DAVIS LANT DR STE 3 EVANSVILLE, IN 47715 | VISION SERVICE PLAN | $526 | — | $526 | 3.14% |
| BETTER BENEFITS LLC3 Filed as: BETTER BENEFITS, LLC | 6888 COTTAGE LN NEWBURGH, IN 47630 | VISION SERVICE PLAN | $69 | — | $69 | 0.41% |
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 | 118 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 259 | $1.9M |
| Dental | HEALTH RESOURCES INC. | 375 | $121K |
| Vision | VISION SERVICE PLAN | 90 | $17K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $22K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $35K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $33K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 259 | $1.9M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 375 | — |
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."
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.