| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS LLC | 1530 RAX CT JEFFERSON CITY, MO 65109 | DELTA DENTAL OF ILLINOIS | $14K | — | $14K | 6.68% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD STE 310 ROSEMONT, IL 60018 | DELTA DENTAL OF ILLINOIS | $7K | — | $7K | 3.33% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS LLC | 1530 RAX CT JEFFERSON CITY, MO 65109 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | $9K | $20K | 12.87% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD STE 310 ROSEMONT, IL 60018 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 4.15% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS LLC | 1530 RAX CT JEFFERSON CITY, MO 65109 | SUN LIFE ASSURANCE COMPANY OF CANADA | $16K | $8K | $23K | 23.74% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD STE 310 ROSEMONT, IL 60018 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 3.91% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD STE 310 ROSEMONT, IL 60018 | VISION SERVICE PLAN | $1K | — | $1K | 2.70% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS, LLC | 1530 RAX CT JEFFERSON CITY, MO 65109 | VISION SERVICE PLAN | $941 | — | $941 | 2.25% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS, LTD. | 12006 RIDGEMONT DRIVE URBANDALE, IA 50323 | VISION SERVICE PLAN | $843 | — | $843 | 2.02% |
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 | 324 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ILLINOIS | 282 | $211K |
| Vision | VISION SERVICE PLAN | 254 | $42K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 331 | $98K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 331 | $98K |
| Other(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 331 | $250K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 331 | — |
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.