| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LB BENEFITS INC3 Filed as: LB BENEFITS, INC | 3901 15TH STREET D MOLINE, IL 61265 | BLUECROSS BLUESHIELD OF ILLINOIS | $81K | $15K | $95K | 1.70% |
| LB BENEFITS INC3 Filed as: LB BENEFITS, INC | 3901 15TH STREET D MOLINE, IL 61265 | DEARBORN LIFE INSURANCE COMPANY | $56K | $6K | $62K | 15.73% |
| LB BENEFITS INC3 Filed as: LB BENEFITS, INC | 3901 15TH STREET D MOLINE, IL 61265 | BLUECROSS BLUESHIELD OF ILLINOIS | $15K | $15K | $30K | 13.48% |
| LB BENEFITS INC3 Filed as: LB BENEFITS, INC | 3901 15TH STREET D MOLINE, IL 61265 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
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 | 593 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 593 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 862 | $5.6M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 850 | $221K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 795 | $43K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 817 | $395K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 817 | $395K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 817 | $395K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF ILLINOIS | 862 | $5.6M |
| Other | DEARBORN LIFE INSURANCE COMPANY | 817 | $395K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 862 | — |
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.