| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $48K | — | $48K | 2.84% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: STUMM INSRUANCE LLC | 6601 N AVONDALE AVE, STE 201 CHICAGO, IL 60631 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $17K | $1K | $18K | 1.08% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | PRINCIPAL LIFE INSURANCE COMPANY | $15K | — | $15K | 7.46% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, STE 310 ROSEMONT, IL 60018 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 2.59% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | VISION SERVICE PLAN | $640 | — | $640 | 3.28% |
| STUMM INSURANCE LLC3 | 6601 N AVONDALE AVE, STE 201 CHICAGO, IL 60631 | VISION SERVICE PLAN | $447 | — | $447 | 2.29% |
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 | 190 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 288 | $1.7M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 190 | $194K |
| Vision | VISION SERVICE PLAN | 139 | $20K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 190 | $194K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 190 | $194K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 190 | $194K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ILLINOIS | 288 | $1.7M |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 190 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 288 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.