| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 1800 RIVER DRIVE MOLINE, IL 61265 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $60 | $13K | 9.67% |
| GROUP BENEFITS LTD3 Filed as: GROUP SERVICES | 3066 VICTORIA STREET BETTENDORF, IA 52722 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.14% |
| USI INSURANCE SERVICES LLC3 | 4605 COLUMBUS STREET VIRGINIA BEACH, VA 23462 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.51% |
| STEVEN L. SWANSON3 | 1523 47TH AVENUE, SUITE 3 MOLINE, IL 61265 | AFLAC | $5K | $312 | $5K | 9.45% |
| TINA M LASSUY3 Filed as: TINA M. LASSUY | 3021 45TH STREET MOLINE, IL 61265 | AFLAC | $2K | $78 | $2K | 4.10% |
| KIMBERLY DEWINTER3 Filed as: KIMBERLY A. DEWINTER | 1523 47TH AVENUE, SUITE 3 MOLINE, IL 61265 | AFLAC | $2K | $85 | $2K | 3.38% |
| CHRISTOPHER J BAYER3 Filed as: CHRISTOPHER BAYER AND OTHER AGENTS | 1416 NORTH BROAD STREET GALESBURG, IL 61401 | AFLAC | $986 | $78 | $1K | 1.97% |
| STEVEN L. SWANSON3 | 606 19TH STREET, SUITE 2 MOLINE, IL 61265 | AFLAC | $695 | $37 | $732 | 1.35% |
| JOSHUA C LAWHORN3 Filed as: JOSHUA C. LAWHORN | 3717 19TH AVENUE MOLINE, IL 61265 | AFLAC | $310 | $0 | $310 | 0.57% |
| GARY J IRVIN3 Filed as: GARY J. IRVIN | 2001 WEST WILLOW KNOLL DRIVE PEORIA, IL 61614 | AFLAC | $268 | $0 | $268 | 0.50% |
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 | 133 | 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) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 279 | $131K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 279 | $131K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 279 | $131K |
| Short-term disability | AFLAC | 58 | $54K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 279 | $131K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 279 | $186K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.