| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STUMM INSURANCE LLC3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $167K | $12K | $180K | 1.06% |
| MARSH & MCLENNAN AGENCY LLC3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $25K | $0 | $25K | 0.15% |
| STUMM INSURANCE LLC3 Filed as: STUMM INS LLC | 9400 WEST HIGGINS RD, STE 405 ROSEMONT, IL 60018 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $297K | $200K | $497K | 20.52% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $30K | $0 | $30K | 1.22% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY, LLC | 820 N. ORLEANS #325 CHICAGO, IL 60610 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $29K | $0 | $29K | 1.21% |
| STUMM INSURANCE LLC3 | 9400 WEST HIGGINS RD, # 310 ROSEMONT, IL 60018 | METROPOLITAN GENERAL INSURANCE COMPANY | $8K | $0 | $8K | 10.72% |
| STUMM INSURANCE LLC3 Filed as: STUMM INSURANCE, LLC | 9400 WEST HIGGINS ROAD, STE 310 ROSEMONT, IL 60018 | NATIONWIDE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 7.87% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | NATIONWIDE LIFE INSURANCE COMPANY | $789 | $0 | $789 | 1.46% |
| STUMM INSURANCE LLC3 Filed as: STUMM INSURANCE, LLC | 9400 WEST HIGGINS ROAD, STE 310 ROSEMONT, IL 60018 | CRUM & FORESTER | $106 | $0 | $106 | 8.43% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | CRUM & FORESTER | $20 | $0 | $20 | 1.59% |
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 | 1,192 | 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) | 1,194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 2,120 | $16.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 3,138 | $2.4M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 3,138 | $2.4M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 3,138 | $2.4M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 3,138 | $2.4M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 3,138 | $2.4M |
| Prescription drug | NATIONWIDE LIFE INSURANCE COMPANY | 56 | $54K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 3,138 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,138 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.