| 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 | $6K | $943 | $7K | 10.85% |
| TIC INC3 | 701 SAND LAKE RD ONALASKA, WI 54650 | AMERICAN UNITED LIFE INSURANCE COMPANY | $1K | — | $1K | 1.94% |
| ANTHONY DITORO3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $972 | — | $972 | 6.38% |
| HENRY SCHMIDT3 | 37 S ROUTE 12 FOX LAKE, IL 60020 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $103 | — | $103 | 0.68% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $101 | — | $101 | 0.66% |
| J N MORALES LTD3 | 5717 N MILWAUKEE AVE CHICAGO, IL 60646 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $79 | — | $79 | 0.52% |
| ANTHONY DITORO3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $485 | — | $485 | 5.96% |
| HENRY SCHMIDT3 | 37 S ROUTE 12 FOX LAKE, IL 60020 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $57 | — | $57 | 0.70% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $53 | — | $53 | 0.65% |
| J N MORALES LTD3 | 5717 N MILWAUKEE AVE CHICAGO, IL 60646 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $44 | — | $44 | 0.54% |
| ANTHONY DITORO3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $420 | — | $420 | 6.71% |
| HENRY SCHMIDT3 | 37 S ROUTE 12 FOX LAKE, IL 60020 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $105 | — | $105 | 1.68% |
| J N MORALES LTD3 | 5717 N MILWAUKEE AVE CHICAGO, IL 60646 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $62 | — | $62 | 0.99% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $38 | — | $38 | 0.61% |
| ANTHONY DITORO3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $480 | — | $480 | 8.05% |
| HENRY SCHMIDT3 | 37 S ROUTE 12 FOX LAKE, IL 60020 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $61 | — | $61 | 1.02% |
| J N MORALES LTD3 | 5717 N MILWAUKEE AVE CHICAGO, IL 60646 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $46 | — | $46 | 0.77% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $43 | — | $43 | 0.72% |
| ANTHONY DITORO3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $350 | — | $350 | 7.89% |
| HENRY SCHMIDT3 | 37 S ROUTE 12 FOX LAKE, IL 60020 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $44 | — | $44 | 0.99% |
| J N MORALES LTD3 | 5717 N MILWAUKEE AVE CHICAGO, IL 60646 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $33 | — | $33 | 0.74% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $32 | — | $32 | 0.72% |
| ANTHONY DITORO3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $303 | — | $303 | 9.21% |
| HENRY SCHMIDT3 | 37 S ROUTE 12 FOX LAKE, IL 60020 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $37 | — | $37 | 1.12% |
| J N MORALES LTD3 | 5717 N MILWAUKEE AVE CHICAGO, IL 60646 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28 | — | $28 | 0.85% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26 | — | $26 | 0.79% |
| ANTHONY DITORO3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $745 | — | $745 | 24.94% |
| HENRY SCHMIDT3 | 37 S ROUTE 12 FOX LAKE, IL 60020 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $144 | — | $144 | 4.82% |
| J N MORALES LTD3 | 5717 N MILWAUKEE AVE CHICAGO, IL 60646 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $108 | — | $108 | 3.62% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $50 | — | $50 | 1.67% |
| ANTHONY DITORO3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $289 | — | $289 | 9.77% |
| HENRY SCHMIDT3 | 37 S ROUTE 12 FOX LAKE, IL 60020 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $46 | — | $46 | 1.56% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24 | — | $24 | 0.81% |
| J N MORALES LTD3 | 5717 N MILWAUKEE AVE CHICAGO, IL 60646 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | — | $22 | 0.74% |
| ANTHONY DITORO3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $225 | — | $225 | 7.74% |
| HENRY SCHMIDT3 | 37 S ROUTE 12 FOX LAKE, IL 60020 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25 | — | $25 | 0.86% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | — | $22 | 0.76% |
| J N MORALES LTD3 | 5717 N MILWAUKEE AVE CHICAGO, IL 60646 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19 | — | $19 | 0.65% |
| ANTHONY DITORO3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $107 | — | $107 | 6.14% |
| HENRY SCHMIDT3 | 37 S ROUTE 12 FOX LAKE, IL 60020 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.75% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.69% |
| J N MORALES LTD3 | 5717 N MILWAUKEE AVE CHICAGO, IL 60646 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.46% |
| 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% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $266 | — | $266 | 22.97% |
| HENRY SCHMIDT3 | 37 S ROUTE 12 FOX LAKE, IL 60020 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $104 | — | $104 | 8.98% |
| ANTHONY DITORO3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $64 | — | $64 | 5.53% |
| J N MORALES LTD3 | 5717 N MILWAUKEE AVE CHICAGO, PA 60646 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | — | $20 | 1.73% |
| ANTHONY DITORO3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $85 | — | $85 | 7.86% |
| HENRY SCHMIDT3 | 37 S ROUTE 12 FOX LAKE, IL 60020 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.93% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.65% |
| J N MORALES LTD3 | 5717 N MILWAUKEE AVE CHICAGO, IL 60646 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.65% |
| ANTHONY DITORO3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $63 | — | $63 | 5.83% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.65% |
| HENRY SCHMIDT3 | 37 S ROUTE 12 FOX LAKE, IL 60020 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.56% |
| J N MORALES LTD3 | 5717 N MILWAUKEE AVE CHICAGO, IL 60646 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.46% |
| ANTHONY DITORO3 | PO BOX 737 EAST MOLINE, IL 612442117 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $52 | — | $52 | 5.88% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 737 EAST MOLINE, IL 612442117 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.57% |
| HENRY SCHMIDT3 | 37 S ROUTE 12 FOX LAKE, IL 60020 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.57% |
| J N MORALES LTD3 | 5717 N MILWAUKEE AVE CHICAGO, IL 60646 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.45% |
| ANTHONY DITORO3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $80 | — | $80 | 18.87% |
| HENRY SCHMIDT3 | 37 S ROUTE 12 FOX LAKE, IL 60020 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 2.36% |
| J N MORALES LTD3 | 5717 N MILWAUKEE AVE CHICAGO, IL 60646 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 1.89% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 1.18% |
| ANTHONY DITORO3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 2.99% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.66% |
| J N MORALES LTD3 | 5717 N MILWAUKEE AVE CHICAGO, IL 60646 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.66% |
| HENRY SCHMIDT3 | 37 S ROUTE 12 FOX LAKE, IL 60020 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.66% |
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 | 759 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 759 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 11 | $25K |
| Short-term disability(16 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 759 | $121K |
| Long-term disability(10 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 759 | $111K |
| Other(16 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 11 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 759 | — |
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.