| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAMANTHA MORRIS3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.66% |
| NORTH RISK PARTNERS LLC3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.61% |
| BEARENCE MANAGEMENT GROUP LLC3 Filed as: BEARENCE MANAGEMENT GROUP, LLC | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $701 | — | $701 | 0.38% |
| BENEFIT ADVOCATES3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $341 | — | $341 | 0.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: MORGAN GALLAGHER | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $269 | — | $269 | 0.14% |
| HOWARD EATON3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $263 | — | $263 | 0.14% |
| TRENTON M GOSNELL3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $155 | — | $155 | 0.08% |
| THE SHARON MILLER AGENCY LLC3 Filed as: SHARON MILLER | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $88 | — | $88 | 0.05% |
| MARY-JOYCE LICATA3 Filed as: MARY BISHOP | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.01% |
| TARA MICHELLE D AGOSTINO3 Filed as: TARA K STUDER | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.01% |
| GINA WEIGAND INC3 Filed as: GINA WEIGAND | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| MONIKA M ARENDS3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| CHRISTOPHER HAGER3 Filed as: CHRISTOPHER CUNDIFF | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.00% |
| STEVEN G JOHNSON3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| NORTH RISK PARTNERS LLC3 | — | DELTA DENTAL OF IOWA | $4K | — | $4K | 5.93% |
| NORTH RISK PARTNERS LLC3 | — | STANDARD INSURANCE COMPANY | $2K | — | $2K | 12.29% |
| NORTH RISK PARTNERS LLC3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| NORTH RISK PARTNERS LLC3 | — | STANDARD INSURANCE COMPANY | $2K | — | $2K | 16.84% |
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 | 213 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 172 | $1.2M |
| Dental | DELTA DENTAL OF IOWA | 132 | $62K |
| Vision | STANDARD INSURANCE COMPANY | 97 | $15K |
| Life insurance | STANDARD INSURANCE COMPANY | 213 | $19K |
| Short-term disability(2 contracts) | CONTINENTAL AMERICAN INSURANCE COMPANY | 69 | $205K |
| Other | STANDARD INSURANCE COMPANY | 213 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.