| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| L B BENEFITS INC3 Filed as: L B BENEFITS INC. | 3901 15TH ST. SUITE D MOLINE, IL 61265 | BLUECROSS BLUESHIELD OF ILLINOIS | $68K | $1K | $69K | 2.40% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, LLC | P.O. BOX 441 DES MOINES, IA 50302 | BLUECROSS BLUESHIELD OF ILLINOIS | $45K | $0 | $45K | 1.56% |
| L B BENEFITS INC3 Filed as: L B BENEFITS INC. | 3901 15TH ST SUITE D MOLINE, IL 61265 | DEARBORN LIFE INSURANCE COMPANY | $10K | $7K | $17K | 12.49% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, LLC | PO BOX 441 DES MOINES, IA 50302 | DEARBORN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.87% |
| L B BENEFITS INC3 Filed as: L B BENEFITS INC. | 3901 15TH ST. SUITE D MOLINE, IL 61265 | VISION SERVICE PLAN | $797 | $0 | $797 | 4.12% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, LLC | P.O. BOX 441 DES MONIES, IA 50302 | VISION SERVICE PLAN | $649 | $0 | $649 | 3.36% |
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 | 189 | 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) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 525 | $2.9M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 525 | $2.9M |
| Vision | VISION SERVICE PLAN | 133 | $19K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 182 | $134K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 182 | $134K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 182 | $134K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 182 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 525 | — |
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.