| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFIT PARTNERS LLC3 | PO BOX 133 FORT MADISON, IA 52627 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $47K | $0 | $47K | 1.14% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $16K | $0 | $16K | 0.39% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS JAMES | 217 OAK RIDGE CIR WAVERLY, IA 50677 | KANSAS CITY LIFE INSURANCE COMPANY | $36K | $0 | $36K | 11.62% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | KANSAS CITY LIFE INSURANCE COMPANY | $11K | $0 | $11K | 3.55% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS JAMES | 127 OAK RIDGE CIR WAVERLY, IA 50677 | KANSAS CITY LIFE INSURANCE COMPANY | $7K | $0 | $7K | 9.17% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | KANSAS CITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.69% |
| GROUP BENEFIT PARTNERS LLC3 | PO BOX 133 FORT MADISON, IA 52627 | VERATRUS BENEFIT SOLUTIONS | $4K | $0 | $4K | 8.33% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | VERATRUS BENEFIT SOLUTIONS | $901 | $0 | $901 | 1.67% |
| GROUP BENEFIT PARTNERS LLC3 | — | ASSURITY LIFE INSURANCE COMPANY | $7K | $0 | $7K | 22.50% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | KANSAS CITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.68% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS JAMES | 217 OAK RIDGE CIR WAVERLY, IA 50677 | KANSAS CITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.81% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS JAMES | 217 OAK RIDGE CIR WAVERLY, IA 50677 | KANSAS CITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 11.61% |
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 | 534 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 541 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 394 | $4.1M |
| Vision | VERATRUS BENEFIT SOLUTIONS | 278 | $54K |
| Life insurance(4 contracts) | KANSAS CITY LIFE INSURANCE COMPANY | 340 | $433K |
| Short-term disability(4 contracts) | KANSAS CITY LIFE INSURANCE COMPANY | 340 | $433K |
| Long-term disability(4 contracts) | KANSAS CITY LIFE INSURANCE COMPANY | 340 | $433K |
| Prescription drug | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 394 | $4.1M |
| Other(5 contracts, 2 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 340 | $463K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 394 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.