| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STUMM INSURANCE LLC3 | 6601 N AVONDALE AVE SUITE 201 CHICAGO, IL 60631 | DELTA DENTAL OF ILLINOIS | $6K | — | $6K | 6.86% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, INC. | 308 NORTH 21ST STREET ST. LOUIS, MO 63103 | DELTA DENTAL OF ILLINOIS | $573 | — | $573 | 0.62% |
| STUMM INSURANCE LLC3 | 6601 N AVONDALE AVE SUITE 201 CHICAGO, IL 60631 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 11.40% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST LLC | PO BOX 62889 VIRIGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $579 | — | $579 | 2.35% |
| NFP INSURANCE SERVICES INC5 Filed as: NFP CORPORATION | 500 WEST MADISON STREET SUITE 2700 CHICAGO, IL 60661 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $306 | — | $306 | 1.24% |
| STUMM INSURANCE LLC3 | 6601 N AVONDALE AVE CHICAGO, IL 60631 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 12.55% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST LLC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $480 | — | $480 | 2.45% |
| STUMM INSURANCE LLC3 | 6601 N AVONDALE AVE SUITE 201 CHICAGO, IL 60631 | VISION BENEFITS OF AMERICA | $526 | — | $526 | 5.73% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST LLC | 308 N 21ST STREET ST. LOUIS, MO 63103 | VISION BENEFITS OF AMERICA | $66 | — | $66 | 0.72% |
| STUMM INSURANCE LLC3 Filed as: STUMM INSURANCE | 6601 N AVONDALE AVE STE 201 CHICAGO, IL 60631 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $286 | — | $286 | 12.45% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST, LLC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $58 | — | $58 | 2.53% |
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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ILLINOIS | 110 | $92K |
| Vision | VISION BENEFITS OF AMERICA | 110 | $9K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 62 | $25K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 110 | $20K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 110 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.