| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS GREAT PLAINS, LLC | 4200 UNIVERSITY AVE SUITE 200 WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $36K | — | $36K | 12.00% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | 2209 1ST AVE PLATTSMOUTH, NE 68048 | RESERVES NATIONAL INSURANCE COMPANY | $27K | — | $27K | 14.41% |
| SUPPLEMENTAL INSURANCE PROFESSIONAL3 | 1956 PARK AVE DES MOINES, IA 50315 | RESERVES NATIONAL INSURANCE COMPANY | $8K | — | $8K | 4.12% |
| LAMAIR MULOCK CONDON CO3 Filed as: LAMAIR MULOCK CONDON CO. | 4200 UNIVERSITY AVE STE 200 WEST DES MOINES, IA 50266 | RESERVES NATIONAL INSURANCE COMPANY | $6K | — | $6K | 3.10% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS GREAT PLAINS, LLC | 4200 UNIVERSITY AVE SUITE 200 WEST DES MOINES, IA 50266 | VISION SERVICE PLAN | $3K | — | $3K | 2.08% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS GREAT PLAINS, LLC | 4200 UNIVERSITY AVE SUITE 200 WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | — | $14K | 12.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS GREAT PLAINS, LLC. | 4200 UNIVERSITY AVE SUITE 200 WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS GREAT PLAINS, LLC. | 4200 UNIVERSITY AVE SUITE 200 WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 12.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXPRESS SCRIPTS INC. EIN 43-1420563 RX ADMIN | Contract Administrator; Claims processing Service code 12 | — | $100K |
| WEX HEALTH INC. EIN 06-1593514 ADMIN | Contract Administrator; Claims processing Service code 12 | — | $27K |
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 | 1,806 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 90 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,900 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 1,324 | $9.9M |
| Dental | DELTA DENTAL OF IOWA | 1,277 | $0 |
| Vision | VISION SERVICE PLAN | 1,567 | $151K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,806 | $114K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 262 | $43K |
| Prescription drug | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 1,324 | $9.9M |
| Stop-loss / reinsurancereinsurance | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 1,324 | $9.9M |
| Other(4 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,806 | $627K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,806 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.