| 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 | $13K | $7K | $21K | 11.00% |
| AMANDA NEWTON3 | 5382 AMERICAN LEGION RD SE IOWA CITY, IA 52240 | AMERICAN UNITED LIFE INSURANCE COMPANY | $6K | — | $6K | 3.00% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER, INC | PO BOX 28 DUBUQUE, IA 520040028 | VISION SERVICE PLAN | $8K | — | $8K | 10.80% |
| DITORO GUADALUPE3 | PO BOX 258 HAMPTON, IL 61256 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 11.07% |
| NEWTON DEREK A3 | 3311 AVE OF THE CITIES MOLINE, IL 61265 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 6.32% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 258 HAMPTON, IL 61265 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $685 | — | $685 | 1.04% |
| AON CONSULTING INC3 Filed as: ALLSTATE | 1776 AMERICAN HERITAGE LIFE DR JACKSONVILLE, FL 32224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $32 | — | $32 | 0.05% |
| A TO Z FINANCIAL CONCEPTS LLC3 | 1130 EAGLETREE LN SW HUNTSVILLE, AL 35801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.02% |
| VANDERMYDE LAIN3 | 14740 NORRISH ROAD MORRISON, IL 61270 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.00% |
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 | 514 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 517 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 423 | $78K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 508 | $253K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 508 | $187K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 508 | $253K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 508 | — |
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.