| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STUMM INSURANCE LLC3 Filed as: STUMM INSURANCE | 6601 N. AVONDALE AVENUE SUITE 201 CHICAGO, IL 60631 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $29K | — | $29K | 4.06% |
| STUMM INSURANCE LLC3 Filed as: STUMM INS. LLC | 6601 N. AVONDALE CHICAGO, IL 60631 | GUARDIAN | $7K | $441 | $7K | 11.73% |
| THE HUNKEN AGENCY, INC.3 | 2550 COMPASS ROAD GLENVIEW, IL 60026 | GUARDIAN | $60 | — | $60 | 0.10% |
| H E INSURANCE INC3 Filed as: H E INSURANCE | 2550 COMPASS ROAD, #H GLENVIEW, IL 60025 | GUARDIAN | $18 | — | $18 | 0.03% |
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 | 142 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 144 | $724K |
| Dental | GUARDIAN | 95 | $63K |
| Vision | GUARDIAN | 95 | $63K |
| Long-term disability | GUARDIAN | 95 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.