| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| L B BENEFITS INC3 | 3901 15TH STREET D MOLINE, IL 61265 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $39K | $45K | 2.04% |
| L B BENEFITS INC3 Filed as: L.B. BENEFITS | 3901 15TH STREET SUITE D MOLINE, IL 61265 | UNITEDHEALTHCARE INSURNCE COMPANY | $16K | — | $16K | 13.75% |
| LB BENEFITS INC3 Filed as: LB BENEFITS, INC | 3901 15TH STREET D MOLINE, IL 61265 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $3K | $6K | 18.17% |
| LB BENEFITS INC3 | 3901 15TH STREET D MOLINE, IL 61265 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $953 | $3K | 11.38% |
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 | 237 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 538 | $2.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $35K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 233 | $63K |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURNCE COMPANY | 233 | $153K |
| Short-term disability(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURNCE COMPANY | 233 | $153K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $35K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURNCE COMPANY | 233 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 538 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.