"Disable the visual editor" is not checked.
When I log in as the admin I see an editor with one row of buttons and above those is the "Upload/Insert" link on the left and the tabs "Visual" and "HTML" on the right.
The first line of buttons starts with the "B" for bold button and ends with the "Insert Poll" button. No other line.
When I log is as a contributor I see an editor with two rows of buttons. The first row is identical to the admin row then there is a second row which starts with a drop down for "format" and ends with a "Help" button. Above the two rows there is a "Visual" tab but there is no "html" tab and there is no Upload/Insert link.