| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ATD EMPLOYER SOLUTIONS INC3 | 1608 8TH ST EAST MOLINE, IL 61244 | AMERICAN UNITED LIFE INSURANCE COMPANY | $5K | $2K | $7K | 15.80% |
| ANTHONY DITORO3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 7.58% |
| HENRY SCHMIDT3 | 37 S ROUTE 12 FOX LAKE, IL 60020 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $120 | — | $120 | 0.87% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $101 | — | $101 | 0.73% |
| J N MORALES LTD3 | 5717 N MILWAUKEE AVE CHICAGO, IL 60646 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $91 | — | $91 | 0.66% |
| ANTHONY DITORO3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $919 | — | $919 | 8.14% |
| HENRY SCHMIDT3 | 37 S ROUTE 12 FOX LAKE, IL 60020 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $158 | — | $158 | 1.40% |
| J N MORALES LTD3 | 5717 N MILWAUKEE AVE CHICAGO, IL 60646 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $103 | — | $103 | 0.91% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $83 | — | $83 | 0.74% |
| ANTHONY DITORO3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $526 | — | $526 | 8.12% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $67 | — | $67 | 1.03% |
| HENRY SCHMIDT3 | 37 S ROUTE 12 FOX LAKE, IL 60020 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $63 | — | $63 | 0.97% |
| J N MORALES LTD3 | 5717 N MILWAUKEE AVE CHICAGO, IL 60646 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $45 | — | $45 | 0.69% |
| ANTHONY DITORO3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $953 | — | $953 | 15.18% |
| HENRY SCHMIDT3 | 37 S ROUTE 12 FOX LAKE, IL 60020 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $125 | — | $125 | 1.99% |
| J N MORALES LTD3 | 5717 N MILWAUKEE AVE CHICAGO, IL 60646 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $94 | — | $94 | 1.50% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $70 | — | $70 | 1.12% |
| ANTHONY DITORO3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $339 | — | $339 | 6.10% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $36 | — | $36 | 0.65% |
| HENRY SCHMIDT3 | 37 S ROUTE 12 FOX LAKE, IL 60020 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $35 | — | $35 | 0.63% |
| J N MORALES LTD3 | 5717 N MILWAUKEE AVE CHICAGO, IL 60646 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26 | — | $26 | 0.47% |
| ANTHONY DITORO3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $817 | — | $817 | 22.45% |
| HENRY SCHMIDT3 | 37 S ROUTE 12 FOX LAKE, IL 60020 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $111 | — | $111 | 3.05% |
| J N MORALES LTD3 | 5717 N MILWAUKEE AVE CHICAGO, IL 60646 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $84 | — | $84 | 2.31% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $56 | — | $56 | 1.54% |
| ANTHONY DITORO3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $470 | — | $470 | 13.17% |
| HENRY SCHMIDT3 | 37 S ROUTE 12 FOX LAKE, IL 60020 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $70 | — | $70 | 1.96% |
| J N MORALES LTD3 | 5717 N MILWAUKEE AVE CHICAGO, IL 60646 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $44 | — | $44 | 1.23% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $38 | — | $38 | 1.07% |
| ANTHONY DITORO3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $684 | — | $684 | 19.67% |
| HENRY SCHMIDT3 | 37 S ROUTE 12 FOX LAKE, IL 60020 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $94 | — | $94 | 2.70% |
| J N MORALES LTD3 | 5717 N MILWAUKEE AVE CHICAGO, IL 60646 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $67 | — | $67 | 1.93% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $46 | — | $46 | 1.32% |
| ANTHONY DITORO3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $517 | — | $517 | 17.59% |
| HENRY SCHMIDT3 | 37 S ROUTE 12 FOX LAKE, IL 60020 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $70 | — | $70 | 2.38% |
| J N MORALES LTD3 | 5717 N MILWAUKEE AVE CHICAGO, IL 60646 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $52 | — | $52 | 1.77% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $39 | — | $39 | 1.33% |
| KIRCHNER INSURANCE AGENCY3 | PO BOX 7480 SPRINGDALE, AR 72766 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $133 | — | $133 | 7.85% |
| ALBERT SMITH3 | 72 VILLAS CIRCLE LITTLE ROCK, AR 72223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $110 | — | $110 | 6.49% |
| ANTHONY DITORO3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $196 | — | $196 | 13.85% |
| HENRY SCHMIDT3 | 37 S ROUTE 12 FOX LAKE, IL 60020 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24 | — | $24 | 1.70% |
| J N MORALES LTD3 | 5717 N MILWAUKEE AVE CHICAGO, IL 60646 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19 | — | $19 | 1.34% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 1.06% |
| ANTHONY DITORO3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $94 | — | $94 | 8.70% |
| HENRY SCHMIDT3 | 37 S ROUTE 12 FOX LAKE, IL 60020 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 1.02% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.74% |
| J N MORALES LTD3 | 5717 N MILWAUKEE AVE CHICAGO, IL 60646 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.74% |
| ANTHONY DITORO3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $38 | — | $38 | 5.84% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.61% |
| HENRY SCHMIDT3 | 37 S ROUTE 12 FOX LAKE, IL 60020 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.61% |
| J N MORALES LTD3 | 5717 N MILWAUKEE AVE CHICAGO, IL 60646 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.46% |
| ANTHONY DITORO3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $184 | — | $184 | 28.62% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $41 | — | $41 | 6.38% |
| HENRY SCHMIDT3 | 37 S ROUTE 12 FOX LAKE, IL 60020 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $31 | — | $31 | 4.82% |
| J N MORALES LTD3 | 5717 N MILWAUKEE AVE CHICAGO, IL 60646 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | — | $18 | 2.80% |
| ANTHONY DITORO3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $57 | — | $57 | 11.95% |
| HENRY SCHMIDT3 | 37 S ROUTE 12 FOX LAKE, IL 60020 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 2.10% |
| J N MORALES LTD3 | 5717 N MILWAUKEE AVE CHICAGO, IL 60646 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 1.68% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.84% |
| ANTHONY DITORO3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25 | — | $25 | 5.72% |
| HENRY SCHMIDT3 | 37 S ROUTE 12 FOX LAKE, IL 60020 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.69% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.46% |
| J N MORALES LTD3 | 5717 N MILWAUKEE AVE CHICAGO, IL 60646 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.46% |
| ANTHONY DITORO3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $72 | — | $72 | 36.92% |
| HENRY SCHMIDT3 | 37 S ROUTE 12 FOX LAKE, IL 60020 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 5.64% |
| J N MORALES LTD3 | 5717 N MILWAUKEE AVE CHICAGO, IL 60646 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 4.10% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 2.05% |
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 | 531 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 531 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 10 | $15K |
| Short-term disability(16 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 531 | $106K |
| Long-term disability(9 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 531 | $94K |
| Other(14 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 12 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 531 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.