| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STUMM INSURANCE LLC3 | 9400 WEST HIGGINS ROAD SUITE 310 ROSEMONT, IL 60018 | BLUECROSS BLUESHIELD OF ILLINOIS | $387K | — | $387K | 3.45% |
| STUMM INSURANCE LLC3 | 9400 WEST HIGGINS ROAD, SUITE 310 ROSEMONT, IL 60018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 1.82% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 734004 CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 0.39% |
| STUMM INSURANCE LLC3 | 9400 WEST HIGGINS ROAD, SUITE 310 ROSEMONT, IL 60018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 1.89% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 734004 CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 0.43% |
| STUMM INSURANCE LLC3 | 9400 WEST HIGGINS ROAD, SUITE 310 ROSEMONT, IL 60018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 3.04% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 734004 CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $818 | $818 | 0.39% |
| STUMM INSURANCE LLC3 Filed as: STUMM INSURANCE, LLC | 9400 WEST HIGGINS ROAD, STE 405 ROSEMONT, IL 60018 | DEARBORN LIFE INSURANCE COMPANY | $9K | — | $9K | 10.02% |
| STUMM INSURANCE LLC3 | 9400 WEST HIGGINS ROAD, STE 310 ROSEMONT, IL 60018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 8.78% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, STE 310 ROSEMONT, IL 60018 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $65K | — | $65K | 216.34% |
| STUMM INSURANCE LLC3 | 6601 NORTH AVONDALE AVE, SUITE 201 CHICAGO, IL 60631 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $2K | $2K | 5.49% |
| STUMM INSURANCE LLC3 | 6601 NORTH AVONDALE AVE, SUITE 201 CHICAGO, IL 60631 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 5.36% |
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 | 1,405 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,410 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 1,664 | $11.2M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 1,664 | $11.2M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 932 | $91K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,733 | $269K |
| Short-term disability(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 696 | $332K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 755 | $210K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 1,664 | $11.2M |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,788 | $333K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,788 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.