| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, SUITE 310 ROSEMONT, IL 60018 | BLUECROSS BLUESHIELD OF ILLINOIS | $62K | $1K | $63K | 3.05% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, SUITE 310 ROSEMONT, IL 60018 | DELTA DENTAL OF MICHIGAN | $7K | $0 | $7K | 4.75% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, SUITE 310 ROSEMONT, IL 60018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, SUITE 310 ROSEMONT, IL 60018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, SUITE 310 ROSEMONT, IL 60018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| TIMBERLAND GROUP SERVICES, INC.5 Filed as: TIMBERLAND GROUP SERVICES, INC | 1707 W BIG BEAVER RD TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $924 | $924 | 2.05% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, SUITE 310 ROSEMONT, IL 60018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, SUITE 310 ROSEMONT, IL 60018 | VISION SERVICE PLAN | $1K | — | $1K | 5.74% |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 281 | $2.1M |
| Dental | DELTA DENTAL OF MICHIGAN | 322 | $151K |
| Vision | VISION SERVICE PLAN | 138 | $18K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $53K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 153 | $37K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 153 | $45K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 322 | — |
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.