| 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 | $585 | $3K | 1.25% |
| STEVEN SWANSON3 | 606 19TH STREET, SUITE 2 MOLINE, IL 62165 | AFLAC | $8K | $470 | $9K | 8.39% |
| TRAVIS MATTOCKS3 | 3909 CODY TRAIL DAVENPORT, IA 52804 | AFLAC | $3K | $5 | $3K | 3.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: COURTNEY GALLAGHER AND OTHER AGENTS | 416 9TH AVENUE CAMANCHE, IA 52730 | AFLAC | $2K | $152 | $2K | 2.19% |
| MICHAEL J SKOFF3 Filed as: MICHAEL SKOFF | 815 NORTH CHURCH STREET ROCKFORD, IL 61103 | AFLAC | $2K | $129 | $2K | 1.60% |
| TINA M LASSUY3 Filed as: TINA LASSUY | 5312 11TH AVENUE A MOLINE, IL 61265 | AFLAC | $1K | $32 | $1K | 1.41% |
| KIMBERLY DEWINTER3 Filed as: KIMBERLY DEWITTE | 2514 62ND AVENUE WEST MILAN, IL 61264 | AFLAC | $1K | $0 | $1K | 0.98% |
| TARA L SCOTT3 Filed as: TARA SCOTT | 701 5TH STREET ANDOVER, IL 61233 | AFLAC | $863 | $0 | $863 | 0.84% |
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 | 128 | 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) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 300 | $203K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 300 | $203K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 300 | $203K |
| Short-term disability | AFLAC | 79 | $103K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 300 | $203K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 300 | $305K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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.