| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STUMM INSURANCE LLC3 | 6601 N AVONDALE AVE., STE 201 CHICAGO, IL 60631 | BLUECROSS BLUESHIELD OF ILLINOIS | $51K | $2K | $53K | 2.91% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 60604 | BLUECROSS BLUESHIELD OF ILLINOIS | $6K | — | $6K | 0.32% |
| STUMM INSURANCE LLC3 | 6601 N AVONDALE AVE STE 201 CHICAGO, IL 606311567 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | — | $10K | 7.42% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | DBA HUB INTERNATIONAL GULF SOUTH PO BOX 2158 RIVERSIDE, CA 92516 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 2.60% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD SUITE 310 ROSEMONT, IL 60018 | DEARBORN LIFE INSURANCE COMPANY | $14K | — | $14K | 12.19% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | LERONE A SIDBERRY 55 E JACKSON BLVD CHICAGO, IL 60604 | DEARBORN LIFE INSURANCE COMPANY | $3K | — | $3K | 2.86% |
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 | 193 | 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) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 380 | $1.8M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 417 | $136K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 417 | $136K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 265 | $111K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 265 | $111K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 265 | $111K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 265 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 417 | — |
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.