| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TINA M LASSUY3 Filed as: TINA M. LASSUY | 5312 11TH AVENUE A MOLINE, IL 61265 | AFLAC | $12K | $676 | $12K | 13.75% |
| KIM GERDES3 Filed as: KIM S. NELSON | 2510 112TH STREET MOSCOW, IA 52760 | AFLAC | $3K | $85 | $3K | 3.51% |
| MICHAEL J SKOFF3 Filed as: MICHAEL J. SKOFF | 815 NORTH CHURCH STREET ROCKFORD, IL 61103 | AFLAC | $2K | $215 | $2K | 2.47% |
| STEVEN L. SWANSON3 | 606 19TH STREET, SUITE 2 MOLINE, IL 61265 | AFLAC | $936 | $0 | $936 | 1.03% |
| CHRISTOPHER J BAYER3 Filed as: CHRISTOPHER J. BAYER & OTHER AGENTS | 11 FAIRWAY ROAD GALESBURG, IL 61401 | AFLAC | $815 | $38 | $853 | 0.94% |
| DEBRA S. HERBERS AND OTHER AGENTS3 Filed as: DEBRA S. HERBERS | 410 PRAIRIE MEADOW DRIVE BLUE GRASS, IA 52726 | AFLAC | $389 | $169 | $558 | 0.61% |
| KIMBERLY DEWINTER3 Filed as: KIMBERLY A. DEWITTE | 2514 62ND AVENUE WEST MILAN, IL 61264 | AFLAC | $510 | $0 | $510 | 0.56% |
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 | 295 | 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) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WELLMARK BLUE CROSS BLUE SHIELD OF IOWA | 87 | $1.7M |
| Vision | AFLAC | 81 | $91K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 81 | $159K |
| Short-term disability | AFLAC | 81 | $91K |
| Long-term disability | STANDARD INSURANCE COMPANY | 37 | $68K |
| Prescription drug(2 contracts, 2 carriers) | WELLMARK BLUE CROSS BLUE SHIELD OF IOWA | 87 | $1.7M |
| Other(4 contracts, 4 carriers) | AFLAC | 295 | $183K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.