| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, SUITE 310 ROSEMONT, IL 60018 | BLUECROSS BLUESHIELD OF KANSAS CITY | $16K | — | $16K | 1.39% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, SUITE 310 ROSEMONT, IL 60018 | DELTA DENTAL OF MISSOURI | $5K | — | $5K | 5.40% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, SUITE 310 ROSEMONT, IL 60018 | UNUM LIFE INSURANCE COMPANT | $14K | $528 | $15K | 20.75% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, SUITE 310 ROSEMONT, IL 60018 | UNUM LIFE INSURANCE COMPANT | $3K | $98 | $3K | 20.75% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, SUITE 310 ROSEMONT, IL 60018 | ADVANTICA INSURANCE COMPANY | $1K | — | $1K | 10.77% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, SUITE 310 ROSEMONT, IL 60018 | UNUM LIFE INSURANCE COMPANT | $881 | — | $881 | 13.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 10333 E 21ST ST NORTH STE 104 WICHITA, KS 67206 | UNUM LIFE INSURANCE COMPANT | $3 | — | $3 | 0.05% |
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 | 165 | 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) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF KANSAS CITY | 237 | $1.2M |
| Dental | DELTA DENTAL OF MISSOURI | 262 | $96K |
| Vision | ADVANTICA INSURANCE COMPANY | 233 | $13K |
| Life insurance | UNUM LIFE INSURANCE COMPANT | 151 | $70K |
| Short-term disability | UNUM LIFE INSURANCE COMPANT | 151 | $70K |
| Long-term disability | UNUM LIFE INSURANCE COMPANT | 151 | $70K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANT | 151 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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.