| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LB BENEFITS INC3 | 3901 15TH ST STE D MOLINE, IL 61265 | BLUECROSS BLUESHIELD OF ILLINOIS | $40K | $548 | $40K | 4.05% |
| LB BENEFITS INC3 | 3901 15TH ST STE D MOLINE, IL 61265 | DEARBORN LIFE INSURANCE CO | $4K | — | $4K | 5.32% |
| GUADALUPE DITORO3 | PO BOX 258 HAMPTON, IL 61256 | AMERICAN HERITAGE LIFE INSURANCE CO | $1K | — | $1K | 8.63% |
| DEREK NEWTON3 | 3311 AVE OF THE CITIES MOLINE, IL 61265 | AMERICAN HERITAGE LIFE INSURANCE CO | $730 | — | $730 | 4.87% |
| KRAIGG KNARY3 | 622 19TH ST MOLINE, IL 61265 | AMERICAN HERITAGE LIFE INSURANCE CO | $309 | — | $309 | 2.06% |
| MANUEL BADILLO3 Filed as: MANUEL BADILLO JR | 1885 25TH AVE CT MOLINE, IL 61265 | AMERICAN HERITAGE LIFE INSURANCE CO | $249 | — | $249 | 1.66% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 258 HAMPTON, IL 61256 | AMERICAN HERITAGE LIFE INSURANCE CO | $196 | — | $196 | 1.31% |
| DEREK NEWTON3 | 445 AVE OF THE CITIES EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE CO | $69 | — | $69 | 0.46% |
| LAIN VANDERMYDE3 | 14740 NORRISH RD MORRISON, IL 61270 | AMERICAN HERITAGE LIFE INSURANCE CO | $3 | — | $3 | 0.02% |
| GUADALUPE DITORO3 | PO BOX 258 HAMPTON, IL 61256 | AMERICAN HERITAGE LIFE INSURANCE CO | $543 | — | $543 | 6.91% |
| DEREK NEWTON3 | 3311 AVE OF THE CITIES MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE CO | $238 | — | $238 | 3.03% |
| KRAIGG KNARY3 | 622 19TH ST MOLINE, IL 61265 | AMERICAN HERITAGE LIFE INSURANCE CO | $103 | — | $103 | 1.31% |
| MANUEL BADILLO3 Filed as: MANUEL BADILLO JR | 1885 25TH AVE CT MOLINE, IL 61265 | AMERICAN HERITAGE LIFE INSURANCE CO | $101 | — | $101 | 1.29% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 258 HAMPTON, IL 61256 | AMERICAN HERITAGE LIFE INSURANCE CO | $86 | — | $86 | 1.09% |
| DEREK NEWTON3 | 445 AVE OF THE CITIES EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE CO | $63 | — | $63 | 0.80% |
| LAIN VANDERMYDE3 | 14740 NORRISH RD MORRISON, IL 61270 | AMERICAN HERITAGE LIFE INSURANCE CO | $2 | — | $2 | 0.03% |
| GUADALUPE DITORO3 | PO BOX 258 HAMPTON, IL 61256 | AMERICAN HERITAGE LIFE INSURANCE CO | $476 | — | $476 | 7.80% |
| DEREK NEWTON3 | 3311 AVE OF THE CITIES MOLINE, IL 61265 | AMERICAN HERITAGE LIFE INSURANCE CO | $225 | — | $225 | 3.69% |
| KRAIGG KNARY3 | 622 19TH ST MOLINE, IL 61265 | AMERICAN HERITAGE LIFE INSURANCE CO | $99 | — | $99 | 1.62% |
| ATD EMPLOYER SOLUTIONS INC3 Filed as: ATD EMPLOYER SOLUTIONS | PO BOX 258 HAMPTON, IL 61256 | AMERICAN HERITAGE LIFE INSURANCE CO | $66 | — | $66 | 1.08% |
| MANUEL BADILLO3 Filed as: MANUEL BADILLO JR | 1885 25TH AVE CT MOLINE, IL 61265 | AMERICAN HERITAGE LIFE INSURANCE CO | $62 | — | $62 | 1.02% |
| DEREK NEWTON3 | 445 AVE OF THE CITIES EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE CO | $54 | — | $54 | 0.89% |
| LAIN VANDERMYDE3 | 14740 NORRISH RD MORRISON, IL 61270 | AMERICAN HERITAGE LIFE INSURANCE CO | $2 | — | $2 | 0.03% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 258 HAMPTON, IL 61256 | AMERITAS LIFE INSURANCE CORP | $294 | — | $294 | 7.00% |
| DEREK NEWTON3 | 3311 AVE OF THE CITIES MOLINE, IL 61265 | AMERITAS LIFE INSURANCE CORP | $126 | — | $126 | 3.00% |
| GUADALUPE DITORO3 | PO BOX 258 HAMPTON, IL 61256 | AMERICAN HERITAGE LIFE INSURANCE CO | $20 | — | $20 | 1.74% |
| DEREK NEWTON3 | 445 AVE OF THE CITIES EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE CO | $7 | — | $7 | 0.61% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 258 HAMPTON, IL 61256 | AMERICAN HERITAGE LIFE INSURANCE CO | $3 | — | $3 | 0.26% |
| LAIN VANDERMYDE3 | 14740 NORRISH RD MORRISON, IL 61270 | AMERICAN HERITAGE LIFE INSURANCE CO | $0 | — | $0 | 0.00% |
| GUADALUPE DITORO3 | PO BOX 258 HAMPTON, IL 61256 | AMERICAN HERITAGE LIFE INSURANCE CO | $21 | — | $21 | 2.09% |
| DEREK NEWTON3 | 445 AVE OF THE CITIES EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE CO | $7 | — | $7 | 0.70% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 258 HAMPTON, IL 61256 | AMERICAN HERITAGE LIFE INSURANCE CO | $6 | — | $6 | 0.60% |
| MANUEL BADILLO3 Filed as: MANUEL BADILLO JR | 1885 25TH AVE CT MOLINE, IL 61265 | AMERICAN HERITAGE LIFE INSURANCE CO | $4 | — | $4 | 0.40% |
| LAIN VANDERMYDE3 | 14740 NORRISH RD MORRISON, IL 61270 | AMERICAN HERITAGE LIFE INSURANCE CO | $0 | — | $0 | 0.00% |
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 | 82 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 82 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 130 | $993K |
| Vision | AMERITAS LIFE INSURANCE CORP | 63 | $4K |
| Other(6 contracts, 2 carriers) | DEARBORN LIFE INSURANCE CO | 138 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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.