| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LB BENEFITS INC3 | — | BLUECROSS BLUESHIELD OF ILLNOIS | $32K | $758 | $33K | 4.08% |
| L B BENEFITS INC3 | 3901 15TH STREET SUITE D MOLINE, IL 61265 | DEARBORN LIFE INSURANCE COMPANY | $9K | $6K | $14K | 24.94% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN UNITED LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| ANTHONY DITORO3 Filed as: ANTHONY T DITORO | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $823 | — | $823 | 10.92% |
| MANUAL BADILLO3 | 2360 30TH STREET MOLINE, IL 61265 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $382 | — | $382 | 5.07% |
| DEREK NEWTON3 | 445 AVENUE OF THE CITIES EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $297 | — | $297 | 3.94% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 737 EAST MOLINE, IL 61239 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $171 | — | $171 | 2.27% |
| LAIN VANDERMYDE3 Filed as: LAIN VENDERMYDE | 14740 NORRISH ROAD MORRISON, IL 61270 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.05% |
| ANTHONY DITORO3 Filed as: ANTHONY T DITORO | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $601 | — | $601 | 10.61% |
| MANUEL BADILLO3 | 2360 30TH STREET MOLINE, IL 61265 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $240 | — | $240 | 4.24% |
| DEREK NEWTON3 | 445 AVENUE OF THE CITIES EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $196 | — | $196 | 3.46% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $129 | — | $129 | 2.28% |
| LAIN VANDERMYDE3 | 14740 NORRISH ROAD MORRISON, IL 61270 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.07% |
| DITORO ANTHONY3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $239 | — | $239 | 4.79% |
| BADILLO MANUEL3 | 2360 30TH STREET MOLINE, IL 61265 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $179 | — | $179 | 3.59% |
| KNARY KRAIGG K3 | 445 AVENUE OF THE CITIES EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $165 | — | $165 | 3.31% |
| AON CONSULTING INC3 Filed as: ALLSTATE HEWITT | 1776 AHL DRIVE JACKSONVILLE, FL 32224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.30% |
| ANTHONY DITORO3 Filed as: ANTHONY T DITORO | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $520 | — | $520 | 10.50% |
| MANUEL BADILLO3 | 2360 30TH STREET MOLINE, IL 61265 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $214 | — | $214 | 4.32% |
| DEREK NEWTON3 | 445 AVENUE OF THE CITIES EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $206 | — | $206 | 4.16% |
| ADT EMPLOYER SOLUTIONS INC3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $106 | — | $106 | 2.14% |
| LAIN VANDERMYDE3 | 14740 NORRISH ROAD MORRISON, IL 61270 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.06% |
| ANTHONY DITORO3 Filed as: ANTHONY T DITORO | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $357 | — | $357 | 19.06% |
| MANUEL BADILLO3 | 2360 30TH STREET MOLINE, IL 61265 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $199 | — | $199 | 10.62% |
| DEREK NEWTON3 | 445 AVENUE OF THE CITIES EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $137 | — | $137 | 7.31% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $86 | — | $86 | 4.59% |
| ANTHONY DITORO3 Filed as: ANTHONY T DITORO | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $66 | — | $66 | 6.50% |
| MANUEL BADILLO3 | 2360 30TH STREET MOLINE, IL 61265 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28 | — | $28 | 2.76% |
| DEREK NEWTON3 | 445 AVENUE OF THE CITIES EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28 | — | $28 | 2.76% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 1.48% |
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 | 124 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLNOIS | 155 | $802K |
| Vision | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 31 | $5K |
| Life insurance(4 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 167 | $68K |
| Short-term disability(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 167 | $102K |
| Long-term disability(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 167 | $102K |
| Other(5 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 167 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.