| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| L B BENEFITS INC3 | 3901 15TH STREET B MOLINE, IL 61265 | UNITEDHEALTHCARE PLAN OF RIVER VALLEY, INC | — | $18K | $18K | 2.25% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN UNITED LIFE INSURANCE COMPANY | $9K | $4K | $13K | 22.08% |
| LB BENEFITS INC3 Filed as: LB BENEFITS, INC | 3901 15TH STREET D MOLINE, IL 61265 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $2K | $4K | 20.31% |
| ANTHONY DITORO3 Filed as: ANTHONY T DITORO | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 24.63% |
| KRAIGG K KNARY3 | 445 AVENUE OF THE CITIES EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 10.86% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $241 | — | $241 | 2.03% |
| LAIN VANDERMYDE3 | 3202 ORCHARD LANE APARTMENT 213 CARBON CLIFF, IL 61239 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $68 | — | $68 | 0.57% |
| ANTONY T DITORO3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 42.45% |
| KRAIGG K KNARY3 | 445 AVENUE OF THE CITIES EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 18.72% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $372 | — | $372 | 3.16% |
| LAIN VANDERMYDE3 | 3202 ORCHARD LANE APT 213 CARBON CLIFF, IL 61239 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $122 | — | $122 | 1.04% |
| ANTHONY DITORO3 Filed as: ANTHONY T DITORO | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 43.24% |
| KRAIGG K KNARY3 | 445 AVENUE OF THE CITIES EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $606 | — | $606 | 19.06% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $108 | — | $108 | 3.40% |
| LAIN VANDERMYDE3 | 3202 ORCHARD LANE APT 213 CARBON CLIFF, IL 61239 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $34 | — | $34 | 1.07% |
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 | 186 | 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) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE PLAN OF RIVER VALLEY, INC | 171 | $798K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 186 | $22K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 77 | $58K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 77 | $58K |
| Other(4 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 186 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.