| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| L B BENEFITS INC3 | 3901 15TH STREET D MOLINE, IL 61265 | BLUECROSS BLUESHIELD OF ILLNOIS | $35K | $2K | $37K | 4.22% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN UNITED LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| L B BENEFITS INC3 | 3901 15TH STREET SUITE D MOLINE, IL 61265 | DEARBORN LIFE INSURANCE COMPANY | $4K | $2K | $5K | 20.68% |
| ANTHONY DITORO3 Filed as: ANTHONY T DITORO | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 10.36% |
| MANUAL BADILLO3 | 2360 30TH STREET MOLINE, IL 61265 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $666 | — | $666 | 4.31% |
| DEREK NEWTON3 | 445 AVENUE OF THE CITIES EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $630 | — | $630 | 4.07% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 737 EAST MOLINE, IL 61239 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $308 | — | $308 | 1.99% |
| LAIN VANDERMYDE3 Filed as: LAIN VENDERMYDE | 14740 NORRISH ROAD MORRISON, IL 61270 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.06% |
| ANTHONY DITORO3 Filed as: ANTHONY T DITORO | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $571 | — | $571 | 6.14% |
| DEREK NEWTON3 | 445 AVENUE OF THE CITIES EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $235 | — | $235 | 2.53% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $73 | — | $73 | 0.79% |
| MANUEL BADILLO3 Filed as: MANUEL BALILLO | 2360 30TH STREET MOLINE, IL 61265 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $49 | — | $49 | 0.53% |
| LAIN VANDERMYDE3 Filed as: LAIN VENDERMYDE | 14740 NORRISH ROAD MORRISON, IL 61270 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.09% |
| ANTHONY DITORO3 Filed as: ANTHONY T DITORO | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $264 | — | $264 | 10.90% |
| MANUEL BADILLO3 | 2360 30TH STREET MOLINE, IL 61265 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $110 | — | $110 | 4.54% |
| DEREK NEWTON3 | 445 AVENUE OF THE CITIES EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $100 | — | $100 | 4.13% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $49 | — | $49 | 2.02% |
| LAIN VANDERMYDE3 | 14740 NORRISH ROAD MORRISON, IL 61270 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.04% |
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 | 204 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLNOIS | 167 | $873K |
| Life insurance(4 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 201 | $53K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 59 | $47K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 59 | $47K |
| Other(4 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 201 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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.