| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| L B BENEFITS INC3 Filed as: L B BENEFITS INC. | — | BLUECROSS BLUESHIELD OF ILLNOIS | $30K | $750 | $31K | 4.19% |
| L B BENEFITS INC3 | 3901 15TH STREET SUITE D MOLINE, IL 61265 | DEARBORN LIFE INSURANCE COMPANY | $3K | — | $3K | 5.96% |
| DITORO GUADALUPE3 | 95 KENNELWORTH CIRCLE HAMPTON, IL 61256 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $623 | — | $623 | 9.08% |
| NEWTON DEREK A3 | 445 AVENUE OF THE CITIES EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $103 | — | $103 | 1.50% |
| KNARY KRAIGG3 | 622 19TH STREET MOLINE, IL 61265 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $90 | — | $90 | 1.31% |
| NEWTON DEREK A3 | 3311 AVENUE OF THE CITIES MOLINE, IL 61265 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $75 | — | $75 | 1.09% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $71 | — | $71 | 1.03% |
| BADILLO MANUEL3 | 2360 30TH STREET MOLINE, IL 61265 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $44 | — | $44 | 0.64% |
| NEWTON DEREK3 | 445 AVENUE OF THE CITIES EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28 | — | $28 | 0.41% |
| GONZALEZ-DITORO GUADALUPE G3 | 1608 8TH STREET EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.10% |
| VANDERMYDE LAIN3 | 14740 NORRIS ROAD MORRISON, IL 61270 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.06% |
| DITORO GUADALUPE3 | 95 KENNELWORTH CIRCLE HAMPTON, IL 61256 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $226 | — | $226 | 5.14% |
| NEWTON DEREK3 | 445 AVENUE OF THE CITIES EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $76 | — | $76 | 1.73% |
| BADILLO MANUEL3 | 2360 30TH STREET MOLINE, IL 61265 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $42 | — | $42 | 0.95% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $36 | — | $36 | 0.82% |
| KNARY KRAIGG3 | 622 19TH STREET MOLINE, IL 61265 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.14% |
| NEWTON DEREK3 | 445 AVENUE OF THE CITIES EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.14% |
| VANDERMYDE LAIN3 | 14740 NORRISH ROAD MORRISON, IL 61270 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.07% |
| DITORO GUADALUPE3 | 95 KENNELWORTH CIRCLE HAMPTON, IL 61256 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $167 | — | $167 | 4.81% |
| AON CONSULTING INC3 Filed as: ALLSTATE HEWITT | 1776 AHL DRIVE JACKSONVILLE, FL 32224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $125 | — | $125 | 3.60% |
| BADILLO MANUEL3 | 2360 30TH STREET MOLINE, IL 61265 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $125 | — | $125 | 3.60% |
| DITORO GUADALUPE3 | 95 KENNELWORTH CIRCLE HAMPTON, IL 61256 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $268 | — | $268 | 7.88% |
| NEWTON DEREK3 | 445 AVENUE OF THE CITIES EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $75 | — | $75 | 2.21% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $30 | — | $30 | 0.88% |
| NEWTON DEREK A3 | 3311 AVENUE OF THE CITIES MOLINE, IL 61265 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25 | — | $25 | 0.74% |
| KNARY KRAIGG3 | 622 19TH STREET MOLINE, IL 61265 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24 | — | $24 | 0.71% |
| BADILLO MANUEL3 | 2360 30TH STREET MOLINE, IL 61265 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.29% |
| NEWTON DEREK3 | 445 AVENUE OF THE CITIES EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.12% |
| GONZALEZ-DITORO GUADALUPE G3 | 1608 8TH STREET EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.06% |
| VANDERMYDE LAIN3 | 14740 NORRISH ROAD MORRIS, IL 61270 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.06% |
| DITORO GUADALUPE3 | 95 KENNELWORTH CIRCLE HAMPTON, IL 61256 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | — | $22 | 1.76% |
| NEWTON DEREK3 | 445 AVENUE OF THE CITIES EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.64% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.24% |
| DITORO GUADALUPE3 | 95 KENNELWORTH CIRCLE HAMPTON, IL 61256 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24 | — | $24 | 2.07% |
| NEWTON DEREK3 | 445 AVENUE OF THE CITIES EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.69% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.60% |
| BADILLO MANUEL3 | 2360 30TH STREET MOLINE, IL 61265 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.52% |
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 | 120 | 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) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLNOIS | 120 | $735K |
| Vision | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 17 | $3K |
| Life insurance(4 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 153 | $63K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 153 | $53K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 153 | $53K |
| Other(5 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 153 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.
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.