| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ATD EMPLOYER SOLUTIONS INC3 Filed as: ATD EMPLOYER SOLUTIONS IN | 1608 8TH ST HAMPTON, IL 61256 | AMERICAN UNITED LIFE INSURANCE COMPANY | $12K | $7K | $19K | 11.00% |
| AMANDA NEWTON3 | 5382 AMERICAN LEGION RD SE IOWA CITY, IA 52240 | AMERICAN UNITED LIFE INSURANCE COMPANY | $5K | — | $5K | 3.00% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER, INC | PO BOX 28 DUBUQUE, IA 520040028 | VISION SERVICE PLAN | $7K | — | $7K | 9.19% |
| DITORO GUADALUPE3 | PO BOX 258 HAMPTON, IL 61256 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 14.19% |
| NEWTON DEREK A3 | 3311 AVE OF THE CITIES MOLINE, IL 61265 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 5.59% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 258 HAMPTON, IL 61265 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $765 | — | $765 | 1.32% |
| VANDERMYDE LAIN3 | 14740 NORRISH ROAD MORRISON, IL 61270 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.01% |
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 | 483 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 490 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 405 | $76K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 471 | $175K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 471 | $175K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 471 | $234K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 471 | — |
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.
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.