| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| L B BENEFITS INC3 Filed as: L B BENEFITS INC. | — | BLUECROSS BLUESHIELD OF ILLNOIS | $34K | $578 | $35K | 4.13% |
| L B BENEFITS INC3 | 3901 15TH STREET D MOLINE, IL 61265 | BLUECROSS BLUESHIELD OF ILLNOIS | $5 | — | $5 | 0.00% |
| GREEN FAMILY AUTO3 | 1703 AVENUE OF THE CITIES EAST MOLINE, IL 61244 | BLUECROSS BLUESHIELD OF ILLNOIS | — | $2 | $2 | 0.00% |
| L B BENEFITS INC3 | 3901 15TH STREET SUITE D MOLINE, IL 61265 | DEARBORN LIFE INSURANCE COMPANY | $3K | — | $3K | 6.06% |
| DITORO GUADALUPE3 | PO BOX 258 HAMPTON, IL 61256 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 23.93% |
| NEWTON DEREK3 | 3311 AVENUE OF THE CITIES MOLINE, IL 61265 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 12.32% |
| KNARY KRAIGG3 | 622 19TH STREET MOLINE, IL 61265 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 6.19% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 258 HAMPTON, IL 61256 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $293 | — | $293 | 1.69% |
| NEWTON DEREK A3 | 445 AVENUE OF THE CITIES EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $81 | — | $81 | 0.47% |
| BADILLO MANUEL3 Filed as: BADILLO JR MANUEL | 1885 25TH AVENUE COURT MOLINE, IL 61265 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $33 | — | $33 | 0.19% |
| VANDERMYDE LAIN3 | 14740 NORRISH ROAD MORRISON, IL 61270 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| DITORO GUADALUPE3 | PO BOX 258 HAMPTON, IL 61256 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 16.33% |
| NEWTON DEREK A3 | 3311 AVENUE OF THE CITIES MOLINE, IL 61265 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $649 | — | $649 | 7.71% |
| KNARY KRAIGG3 | 622 19TH STREET MOLINE, IL 61265 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $329 | — | $329 | 3.91% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 258 HAMPTON, IL 61256 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $125 | — | $125 | 1.48% |
| NEWTON DEREK3 | 445 AVENUE OF THE CITIES EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $70 | — | $70 | 0.83% |
| BADILLO MANUEL3 Filed as: BADILLO JR MANUEL | 1885 25TH AVENUE COURT MOLINE, IL 61265 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $36 | — | $36 | 0.43% |
| VANDERMYDE LAIN3 | 14740 NORRISH ROAD MORRISON, IL 61270 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| DITORO GUADALUPE3 | PO BOX 258 HAMPTON, IL 61256 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 23.74% |
| NEWTON DEREK A3 | 3311 AVENUE OF THE CITIES MOLINE, IL 61265 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $715 | — | $715 | 11.76% |
| KNARY KRAIGG3 | 622 19TH STREET MOLINE, IL 61265 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $362 | — | $362 | 5.95% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 258 HAMPTON, IL 61256 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $137 | — | $137 | 2.25% |
| NEWTON DEREK3 | 445 AVENUE OF THE CITIES EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $56 | — | $56 | 0.92% |
| BADILLO MANUEL3 Filed as: BADILLO JR MANUEL | 1885 25TH AVENUE COURT MOLINE, IL 61265 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.05% |
| VANDERMYDE LAIN3 | 14740 NORRISH ROAD MORRISON, IL 61270 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.03% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 258 HAMPTON, IL 61256 | AMERITAS LIFE INSURANCE CORP | $299 | $38 | $337 | 7.89% |
| DEREK NEWTON3 Filed as: DEREK A NEWTON | 3311 AVENUE OF THE CITIES MOLINE, FL 61265 | AMERITAS LIFE INSURANCE CORP | $128 | — | $128 | 3.00% |
| DITORO GUADALUPE3 | PO BOX 258 HAMPTON, IL 61256 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25 | — | $25 | 2.17% |
| 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 258 HAMPTON, IL 61256 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.35% |
| DITORO GUADALUPE3 | PO BOX 258 HAMPTON, IL 61256 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | — | $21 | 2.09% |
| NEWTON DEREK3 | 445 AVEUE OF THE CITIES EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.70% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 258 HAMPTON, IL 61256 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.60% |
| BADILLO MANUEL3 Filed as: BADILLO JR MANUEL | 1885 25TH AVENUE COURT MOLINE, IL 61265 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.50% |
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 | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLNOIS | 126 | $836K |
| Vision | AMERITAS LIFE INSURANCE CORP | 26 | $4K |
| Life insurance(4 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 224 | $76K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 224 | $57K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 224 | $57K |
| Other(6 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 224 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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.