| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $2K | $3K | 1.73% |
| STEVEN L. SWANSON3 | 606 19TH STREET, SUITE 2 MOLINE, IL 61265 | AFLAC | $8K | $129 | $8K | 10.70% |
| COURTNEY GALLACHER3 | 416 9TH AVENUE CAMANCHE, IA 52730 | AFLAC | $2K | $359 | $2K | 2.68% |
| NATALIE M SPENGLER AND OTHER AGENTS3 | 2831 170TH AVENUE SHERRARD, IL 61281 | AFLAC | $2K | $15 | $2K | 2.63% |
| TINA M LASSUY3 Filed as: TINA M. LASSUY | 5312 11TH AVENUE A MOLINE, IL 61265 | AFLAC | $2K | $21 | $2K | 2.00% |
| MICHAEL J SKOFF3 Filed as: MICHAEL J. SKOFF | 815 NORTH CHURCH STREET ROCKFORD, IL 61103 | AFLAC | $1K | $70 | $1K | 1.58% |
| KIMBERLY DEWINTER3 Filed as: KIMBERLY A. DEWITTE | 2514 62ND AVENUE WEST MILAN, IL 61265 | AFLAC | $962 | $14 | $976 | 1.26% |
| HELENA HESS3 Filed as: HELENA R. HESS | 239 RUTH PLACE CLINTON, IA 52732 | AFLAC | $387 | $20 | $407 | 0.52% |
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 | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 273 | $180K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 273 | $180K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 273 | $180K |
| Short-term disability | AFLAC | 66 | $78K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 273 | $180K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 273 | $258K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 273 | — |
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.