| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LB BENEFITS INC3 | — | BLUECROSS BLUESHIELD OF ILLNOIS | $30K | $720 | $31K | 4.18% |
| L B BENEFITS INC3 Filed as: L.B. BENEFITS INC | 3901 15TH STREET D MOLINE, IL 61265 | BLUECROSS BLUESHIELD OF ILLNOIS | — | $1 | $1 | 0.00% |
| L B BENEFITS INC3 | 3901 15TH STREET D MOLINE, IL 61265 | DEARBORN LIFE INSURANCE COMPANY | $9K | $6K | $15K | 24.13% |
| L B BENEFITS INC3 | 3901 15TH STREET SUITE D MOLINE, IL 61265 | DEARBORN LIFE INSURANCE COMPANY | $8K | — | $8K | 15.15% |
| ANTHONY DITORO3 Filed as: ANTHONY T DITORO | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $795 | — | $795 | 10.50% |
| DEREK NEWTON3 | 445 AVENUE OF THE CITIES EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $138 | — | $138 | 1.82% |
| DEREK NEWTON3 | 445 AVENUE OF THE CITIES EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $117 | — | $117 | 1.55% |
| GUADALUPE GONZALEZ-DITORO3 | 1608 8TH STREET EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $109 | — | $109 | 1.44% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 737 EAST MOLINE, IL 61239 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $95 | — | $95 | 1.26% |
| MANUEL BADILLO3 | 2360 30TH STREET MOLINE, IL 61265 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $83 | — | $83 | 1.10% |
| KRAIGG KNARY3 | 622 19TH STREET MOLINE, IL 61265 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | — | $18 | 0.24% |
| LAIN VANDERMYDE3 | 14740 NORRISH ROAD MORRISON, IL 61270 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.04% |
| ANTHONY DITORO3 Filed as: ANTHONY T DITORO | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $344 | — | $344 | 6.91% |
| DEREK NEWTON3 | 445 AVENUE OF THE CITIES EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $93 | — | $93 | 1.87% |
| MANUEL BADILLO3 | 2360 30TH STREET MOLINE, IL 61265 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $55 | — | $55 | 1.11% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $50 | — | $50 | 1.00% |
| DEREK NEWTON3 | 445 AVENUE OF THE CITIES EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24 | — | $24 | 0.48% |
| GUADALUPE GONZALEZ-DITORO3 | 1608 8TH STREET EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | — | $21 | 0.42% |
| KRAIGG KNARY3 | 622 19TH STREET MONLINE, IL 61265 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.08% |
| LAIN VANDERMYDE3 | 14740 NORRISH ROAD MORRISON, IL 61270 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.06% |
| ANTHONY DITORO3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $185 | — | $185 | 4.78% |
| AON CONSULTING INC3 Filed as: HEWITT ALLSTATE | 1776 AHL DRIVE JACKSONVILLE, FL 32224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $141 | — | $141 | 3.64% |
| MANUEL BADILLO3 | 2360 30TH STREET MOLINE, IL 61265 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $139 | — | $139 | 3.59% |
| KRAIGG K KNARY3 | 445 AVENUE OF THE CITIES EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | -$3 | — | -$3 | -0.08% |
| ANTHONY DITORO3 Filed as: ANTHONY T DITORO | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $244 | — | $244 | 6.85% |
| DEREK NEWTON3 | 445 AVENUE OF THE CITIES EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $82 | — | $82 | 2.30% |
| ADT EMPLOYER SOLUTIONS INC3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $34 | — | $34 | 0.95% |
| MANUEL BADILLO3 | 2360 30TH STREET MOLINE, IL 61265 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28 | — | $28 | 0.79% |
| DEREK NEWTON3 | 445 AVENUE OF THE CITIES EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.39% |
| GUADALUPE GONZALEZ-DITORO3 | 1608 8TH STREET EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.31% |
| LAIN VANDERMYDE3 | 14740 NORRISH ROAD MORRISON, IL 61270 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.08% |
| KRAIGG KNARY3 | 622 19TH STREET MORRISON, IL 61270 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.03% |
| ANTHONY DITORO3 Filed as: ANTHONY T DITORO | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $46 | — | $46 | 3.14% |
| MANUEL BADILLO3 | 2360 30TH STREET MOLINE, IL 61265 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19 | — | $19 | 1.30% |
| DEREK NEWTON3 | 445 AVENUE OF THE CITIES EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 1.03% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.96% |
| ANTHONY DITORO3 Filed as: ANTHONY T DITORO | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28 | — | $28 | 2.65% |
| DEREK NEWTON3 | 445 AVENUE OF THE CITIES EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 1.04% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.47% |
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 | 92 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 94 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLNOIS | 137 | $744K |
| Vision | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 25 | $4K |
| Life insurance(5 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 196 | $125K |
| Short-term disability(2 contracts) | DEARBORN LIFE INSURANCE COMPANY | 196 | $115K |
| Long-term disability(2 contracts) | DEARBORN LIFE INSURANCE COMPANY | 196 | $115K |
| Other(6 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 196 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.