| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, STE 310 ROSEMONT, IL 600184974 | BLUECROSS BLUESHIELD OF ILLINOIS | $36K | $2K | $37K | 4.23% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, STE 310 ROSEMONT, IL 600184974 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | — | $15K | 14.67% |
| STUMM INSURANCE LLC3 | 9400 WEST HIGGINS ROAD, SUITE 310 ROSEMONT, IL 60018 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 7.23% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, STE 310 ROSEMONT, IL 600184974 | DELTA DENTAL OF ILLINOIS | $4K | — | $4K | 6.93% |
| BAUGHMAN GROUP3 Filed as: BAUGHMAN GROUP INC - GA | — | DELTA DENTAL OF ILLINOIS | — | $960 | $960 | 1.85% |
| STUMM INSURANCE LLC3 | 9400 WEST HIGGINS ROAD, SUITE 310 ROSEMONT, IL 60018 | EXPRESS SCRIPTS, INC. | $900 | — | $900 | 1.84% |
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 | 94 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 125 | $948K |
| Dental | DELTA DENTAL OF ILLINOIS | 83 | $52K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 109 | $101K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 109 | $101K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 109 | $101K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 109 | $101K |
| Prescription drug(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 125 | $932K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 109 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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.