| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, STE 310 ROSEMONT, IL 60018 | BLUECROSS BLUESHIELD OF ILLINOIS | $90K | $3K | $93K | 4.00% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, STE 310 ROSEMONT, IL 60018 | DELTA DENTAL OF MICHIGAN | $8K | — | $8K | 4.72% |
| BENNIE INSURANCE, LLC3 Filed as: BENNIE INSURANCE LLC | 200 BROADWAY FL 3 NEW YORK, NY 10038 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 6.46% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INSURANCE AGENCY | 80 S. 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $772 | — | $772 | 3.54% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD FL 2 HAUPPAUGE, NY 11788 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $705 | $705 | 3.23% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, STE 310 ROSEMONT, IL 60018 | VISION SERVICE PLAN | $1K | — | $1K | 5.46% |
| BENNIE INSURANCE, LLC3 Filed as: BENNIE INSURANCE LLC | 200 BROADWAY FL 3 NEW YORK, NY 10038 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 9.80% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INSURANCE AGENCY | 80 S. 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $966 | — | $966 | 5.19% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD FL 2 HAUPPAUGE, NY 11788 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $930 | $930 | 5.00% |
| BENNIE INSURANCE, LLC3 Filed as: BENNIE INSURANCE LLC | 200 BROADWAY FL 3 NEW YORK, NY 10038 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 9.31% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INSURANCE AGENCY | 80 S. 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $775 | — | $775 | 5.69% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD FL 2 HAUPPAUGE, NY 11788 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $681 | $681 | 5.00% |
| BENNIE INSURANCE, LLC3 Filed as: BENNIE INSURANCE LLC | 200 BROADWAY FL 3 NEW YORK, NY 10038 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $836 | $0 | $836 | 10.33% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD FL 2 HAUPPAUGE, NY 11788 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $405 | $405 | 5.01% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INSURANCE AGENCY | 80 S. 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $378 | — | $378 | 4.67% |
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 | 171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 339 | $2.3M |
| Vision | VISION SERVICE PLAN | 151 | $21K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 161 | $8K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 161 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 379 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.