| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFITS LTD3 Filed as: GROUP SERVICES | 3066 VICTORIA STREET BETTENDFORF, IA 52722 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $0 | $10K | 8.12% |
| STEVEN SWANSON3 | 1523 47TH AVENUE, SUITE 3 MOLINE, IL 61265 | AFLAC | $4K | $154 | $4K | 8.37% |
| TINA M LASSUY3 Filed as: TINA LASSUY | 3021 45TH STREET MOLINE, IL 61265 | AFLAC | $3K | $116 | $4K | 6.74% |
| CHRISTOPHER J BAYER3 Filed as: CHRISTOPHER BAYER | 1416 NORTH BROAD STREET GALESBURG, IL 61401 | AFLAC | $1K | $45 | $1K | 2.25% |
| KIMBERLY DEWINTER3 | 1529 47TH AVENUE, SUITE 3 MOLINE, IL 61265 | AFLAC | $1K | $0 | $1K | 2.02% |
| GREGORY J SHARP3 Filed as: GREGORY SHARP AND OTHER AGENTS | 702 EAST 5TH STREET COAL VALLEY, IN 61240 | AFLAC | $668 | $13 | $681 | 1.31% |
| DEBRA S. HERBERS AND OTHER AGENTS3 Filed as: DEBRA HERBERS | 410 PRAIRIE MEADOWS DRIVE BLUE GRASS, IA 52726 | AFLAC | $339 | $0 | $339 | 0.65% |
| JOHN D LASSUY3 Filed as: JOHN LASSUY | 4544 3RD STREET MOLINE, IL 61265 | AFLAC | $235 | $0 | $235 | 0.45% |
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 | 116 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 280 | $179K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 280 | $127K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 280 | $179K |
| Short-term disability | AFLAC | 105 | $52K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 280 | $127K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 280 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 280 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.