| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, STE 310 ROSEMONT, IL 60018 | BLUECROSS BLUESHIELD OF ILLINOIS | $508K | $4K | $512K | 3.84% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, STE 310 ROSEMONT, IL 60018 | GUARDIAN | $362K | — | $362K | 14.97% |
| STUMM INSURANCE LLC3 | 9400 WEST HIGGINS ROAD, SUITE 310 ROSEMONT, IL 60018 | METROPOLITAN GENERAL INSURANCE COMPANY | $6K | $8 | $6K | 11.32% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD, STE 310 ROSEMONT, IL 600184974 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $1K | $11K | 108.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC DBA SOURCE 1 BENEFITS | 216 S JEFFERSON ST STE LL2 CHICAGO, IL 606615696 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 31.63% |
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 | 2,805 | 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) | 2,809 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 1,772 | $13.4M |
| Dental | GUARDIAN | 2,805 | $2.4M |
| Vision | GUARDIAN | 2,805 | $2.4M |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 2,805 | $2.4M |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 2,805 | $2.4M |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN | 2,805 | $2.4M |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 1,772 | $13.4M |
| Other(3 contracts, 3 carriers) | GUARDIAN | 2,805 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,805 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.