| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STUMM INSURANCE LLC3 | 6601 NORTH AVONDALE AVENUE SUITE 201 CHICAGO, IL 60631 | ANTHEM INSURANCE COMPANIES, INC. | $9K | $0 | $9K | 1.67% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | ANTHEM INSURANCE COMPANIES, INC. | $8K | $0 | $8K | 1.44% |
| INDY CHAMBER LLC3 | 111 MONUMENT CIRCLE SUITE 1950 INDIANPOLIS, IN 46204 | ANTHEM INSURANCE COMPANIES, INC. | $452 | $0 | $452 | 0.08% |
| BRIAN STUMM3 | 6601 NORTH AVONDALE AVENUE SUITE 201 CHICAGO, IL 60631 | PRIORITY HEALTH | $6K | $0 | $6K | 1.38% |
| THOMAS SCHAFFLER3 | 525 WEST MONROE, SUITE 600 CHICAGO, IL 60661 | PRIORITY HEALTH | $4K | $0 | $4K | 0.92% |
| STUMM INSURANCE LLC3 | 6601 NORTH AVONDALE AVENUE SUITE 201 CHICAGO, IL 60631 | DELTA DENTAL OF MICHIGAN | $3K | $0 | $3K | 2.90% |
| HNI RISK SERVICES3 | 140 MONROE CENTER STREET NW GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $543 | $0 | $543 | 0.57% |
| STUMM INSURANCE LLC3 | 6601 NORTH AVONDALE AVENUE SUITE 201 CHICAGO, IL 60631 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $750 | $3K | 8.90% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET SUITE 3400 CHICAGO, IL 60661 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $52 | $2K | 6.15% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $255 | $255 | 0.68% |
| LOCKTON COMPANIES, LLC3 | 525 WEST MONROE SUITE 600 CHICAGO, IL 60661 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $1K | $2K | 9.76% |
| STUMM INSURANCE LLC3 | 6601 NORTH AVONDALE AVENUE SUITE 201 CHICAGO, IL 60631 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $824 | $0 | $824 | 3.29% |
| HNI RISK SERVICES3 | 140 MONROE CENTER STREET NW SUITE 200 GRAND RAPIDS, MI 49503 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $263 | $0 | $263 | 1.05% |
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 | 127 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM INSURANCE COMPANIES, INC. | 141 | $967K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 281 | $120K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 106 | $25K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 116 | $38K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 116 | $38K |
| Prescription drug(2 contracts, 2 carriers) | ANTHEM INSURANCE COMPANIES, INC. | 141 | $967K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 116 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.