Welfare broker

STUMM INSURANCE LLC

Mailing address (most recent filing)

9400 W. HIGGINS RD

STE 310

ROSEMONT, IL 60018

Carrier mix

Where STUMM INSURANCE LLC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CROSS OF CALIFORNIA	40	$117.2M	70.2%
UNITEDHEALTHCARE INSURANCE COMPANY	10	$19.1M	17.5%
UNUM LIFE INSURANCE COMPANY OF AMERICA	1	$9K	1.8%
SUN LIFE ASSURANCE COMPANY OF CANADA	1	$96K	1.8%
UNITED OF OMAHA LIFE INSURANCE COMPANY	1	$462K	1.8%
THE LINCOLN NATIONAL LIFE INSURANCE COMPANY	1	$95K	1.8%
DELTA DENTAL OF CALIFORNIA	1	$170K	1.8%
DEARBORN LIFE INSURANCE COMPANY	1	$16K	1.8%
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$600K	1.8%

Top states · with penetration index

Plan count by state. Index > 1.0means over-indexed vs the broker's national share.

State	Plans	Premium	State share	Index
IL	47	$123.3M	1.2%	23.48x
WI	2	$2.9M	0.1%	1.86x
OH	2	$2.6M	0.0%	0.27x
NY	2	$2.1M	0.0%	0.70x
VT	1	$794K	0.4%	8.24x
MO	1	$1.6M	0.0%	0.31x
IN	1	$3.5M	0.0%	0.60x
CA	1	$857K	0.0%	0.22x

Top industries by premium

NAICS-2 sectors where this broker places the most welfare premium.

Sponsor-size mix

Plan count by total participants. Reveals whether this broker is a mid-market player or jumbo-employer specialist.

Broker compensation as % of premium

Distribution of STUMM INSURANCE LLC's plans by broker comp / premium ratio. Median 5.61% vs welfare-wide median 6.29% (n=57).

Prospect-flag exposure · vs market baseline

Share of STUMM INSURANCE LLC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

51-57 of 57 sponsors where STUMM INSURANCE LLC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
MUSH MUSH BENEFIT PLAN	IL	$640K	$36K	BLUECROSS BLUESHIELD OF ILLINOIS
WESTMINSTER CRACKER COMPANY WESTMINSTER CRACKER COMPANY WELFARE BENEFIT PLAN	VT	$794K	$34K	BLUECROSS BLUESHIELD OF VERMONT
REVITY CREDIT UNION REVITY CREDIT UNION LIFE INSURANCE PLAN	IL	$170K	$24K	DELTA DENTAL OF ILLINOIS
HANSEN PLASTICS CORPORATION HANSEN PLASTICS CORPORATION WELFARE BENEFIT PLAN	IL	$96K	$17K	SUN LIFE ASSURANCE COMPANY OF CANADA
MD ALLIANCE SOLUTIONS, LLC MD ALLIANCE SOLUTIONS, LLC WELFARE PLAN	NY	$95K	$10K	LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK
YOUTH SERVICE BUREAU OF ILLINOIS VALLEY YOUTH SERVICE BUREAU OF ILLINOIS VALLEY LIFE INSURANCE PLAN	IL	$16K	$3K	DEARBORN LIFE INSURANCE COMPANY
SUN AMERICA LLC SUN AMERICA LLC LIFE INSURANCE PLAN	OH	$9K	$2K	UNUM LIFE INSURANCE COMPANY OF AMERICA