| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH RISK PARTNERS LLC3 | — | DELTA DENTAL OF IOWA | $5K | — | $5K | 9.96% |
| BEARENCE MANAGEMENT GROUP LLC3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $800 | — | $800 | 3.18% |
| SAMANTHA MORRIS3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $648 | — | $648 | 2.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: MORGAN GALLAGHER | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $299 | — | $299 | 1.19% |
| HOWARD EATON3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $252 | — | $252 | 1.00% |
| NORTH RISK PARTNERS LLC3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $207 | — | $207 | 0.82% |
| TRENTON M GOSNELL3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $99 | — | $99 | 0.39% |
| MARY-JOYCE LICATA3 Filed as: MARY BISHOP | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $80 | — | $80 | 0.32% |
| CHRISTOPHER HAGER3 Filed as: CHRISTOPHER CUNDIFF | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $44 | — | $44 | 0.18% |
| TARA MICHELLE D AGOSTINO3 Filed as: TARA K STUDER | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $33 | — | $33 | 0.13% |
| MICHELLE J HALLER3 Filed as: MICHELLE BAUMEISTER | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.09% |
| JANE W BARNHILL3 Filed as: JANE M POTTEBAUM | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.03% |
| STEVEN G JOHNSON3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| AMY E COHEN3 Filed as: AMY J RENZE | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| NORTH RISK PARTNERS LLC3 | — | STANDARD INSURANCE COMPANY | $3K | — | $3K | 13.53% |
| NORTH RISK PARTNERS LLC3 | — | STANDARD INSURANCE COMPANY | $1K | — | $1K | 7.07% |
| BEARENCE MGMT GROUP LLC3 Filed as: BEARENCE MANAGMENT GROUP LLC | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 15.00% |
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 | 197 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 147 | $811K |
| Dental | DELTA DENTAL OF IOWA | 105 | $53K |
| Vision | STANDARD INSURANCE COMPANY | 86 | $15K |
| Life insurance | STANDARD INSURANCE COMPANY | 197 | $19K |
| Short-term disability(2 contracts) | CONTINENTAL AMERICAN INSURANCE COMPANY | 82 | $39K |
| Other | STANDARD INSURANCE COMPANY | 197 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.