| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| L B BENEFITS INC3 | 3901 15TH STREET D MOLINE, IL 61265 | BLUECROSS BLUESHIELD OF ILLNOIS | $36K | — | $36K | 3.94% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN UNITED LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| LB BENEFITS INC3 Filed as: LB BENEFITS, INC | 3901 15TH STREET D MOLINE, IL 61265 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $1K | $4K | 20.22% |
| ANTHONY DITORO3 Filed as: ANTHONY T DITORO | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $552 | — | $552 | 4.98% |
| KRAIGG K KNARY3 | 445 AVENUE OF THE CITIES EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $188 | — | $188 | 1.69% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $52 | — | $52 | 0.47% |
| MANUEL BADILLO3 Filed as: MANUEL BALILLO | 2360 30TH STREET MOLINE, IL 61265 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.05% |
| LAIN VANDERMYDE3 Filed as: LAIN VENDERMYDE | 14740 NORRISH ROAD MORRISON, IL 61270 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.05% |
| ANTHONY DITORO3 Filed as: ANTHONY T DITORO | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $409 | — | $409 | 5.43% |
| KRAIGG K KNARY3 | 445 AVENUE OF TEH CITIES EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $163 | — | $163 | 2.16% |
| MANUAL BADILLO3 | 2360 30TH STREET MOLINE, IL 61265 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $75 | — | $75 | 1.00% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 737 EAST MOLINE, IL 61239 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $56 | — | $56 | 0.74% |
| LAIN VANDERMYDE3 Filed as: LAIN VENDERMYDE | 14740 NORRISH ROAD MORRISON, IL 61270 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.07% |
| ANTHONY DITORO3 Filed as: ANTHONY T DITORO | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $95 | — | $95 | — |
| KRAIGG K KNARY3 | 445 AVENUE OF THE CITIES EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $38 | — | $38 | — |
| MANUEL BADILLO3 | 2360 30TH STREET MOLINE, IL 61265 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23 | — | $23 | — |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | — |
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 | 158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLNOIS | 186 | $906K |
| Life insurance(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 206 | $31K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 62 | $51K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 62 | $51K |
| Other(4 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 206 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.