| 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 | $32K | $6K | $38K | 14.31% |
| BHERD, LLC3 Filed as: BHERD LLC | 1965 PARK AVE DES MOINES, IA 50315 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 3.89% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS GREAT PLAINS, LLC | 4200 UNIVERSITY AVE SUITE 200 WEST DES MOINES, IA 50266 | VISION SERVICE PLAN | $3K | — | $3K | 2.34% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS GREAT PLAINS, LLC | 4200 UNIVERSITY AVE SUITE 200 WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | $2K | $16K | 14.14% |
| BHERD, LLC3 Filed as: BHERD LLC | 1956 PARK AVE DES MOINES, IA 50315 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 3.75% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | 211 S 23RD ST PLATTSMOUTH, NE 68048 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $26K | — | $26K | 39.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS, LLC | 4200 UNIVERSITY AVE SUITE 200 WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $2K | $10K | 15.00% |
| SUPPLEMENTAL INSURANCE PROFESSIONAL3 | 1956 PARK AVE DES MOINES, IA 50315 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 9.00% |
| BHERD, LLC3 Filed as: BHERD LLC | 1956 PARK AVE DES MOINES, IA 50315 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | 211 S 23RD ST PLATTSMOUTH, NE 68048 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $25K | — | $25K | 39.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS, LLC | 4200 UNIVERSITY AVE SUITE 200 WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $2K | $9K | 15.00% |
| SUPPLEMENTAL INSURANCE PROFESSIONAL3 | 1956 PARK AVE DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 9.00% |
| BHERD, LLC3 Filed as: BHERD LLC | 1956 PARK AVE DES MOINES, IA 50315 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS GREAT PLAINS, LLC. | 4200 UNIVERSITY AVE SUITE 200 WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $901 | $5K | 12.32% |
| BHERD, LLC3 Filed as: BHERD LLC | 1956 PARK AVE DES MOINES, IA 50315 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 3.68% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS GREAT PLAINS, LLC. | 4200 UNIVERSITY AVE SUITE 200 WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $419 | $3K | 14.12% |
| BHERD, LLC3 Filed as: BHERD LLC | 1956 PARK AVE DES MOINES, IA 50315 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $745 | — | $745 | 3.78% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXPRESS SCRIPTS INC. EIN 43-1420563 RX ADMIN | Claims processing; Contract Administrator Service code 12 | — | $71K |
| DELTA DENTAL EIN 42-0959302 DENTAL ADMIN FEES | Claims processing; Contract Administrator Service code 12 | — | $66K |
| WEX HEALTH INC. EIN 06-1593514 ADMIN | Contract Administrator; Claims processing Service code 12 | — | $23K |
| VISION SERVICE PLAN EIN 06-1227840 VISION ADMIN FEES | Contract Administrator; Claims processing Service code 12 | — | $20K |
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 | 1,869 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 43 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,919 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 969 | $7.8M |
| Vision | VISION SERVICE PLAN | 1,137 | $114K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,869 | $113K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 263 | $39K |
| Prescription drug | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 969 | $7.8M |
| Stop-loss / reinsurancereinsurance | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 969 | $7.8M |
| Other(5 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,869 | $531K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,869 | — |
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."
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.