| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REYNOLDS & REYNOLDS INC3 | 300 WALNUT ST SUITE 200 DES MOINES, IA 50309 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | $100K | $104K | 3.74% |
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS & REYNOLDS | 300 WALNUT ST SUITE 200 DES MOINES, IA 50309 | UNITED HEALTHCARE INSURANCE COMPANY | — | $2K | $2K | 0.07% |
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS & REYNOLDS | 300 WALNUT ST SUITE 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $2K | $6K | 20.97% |
| BENEUSA LLC3 | P.O. BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS & REYNOLDS | 300 WALNUT ST SUITE 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $75 | $4K | 15.26% |
| BENEUSA LLC3 | 1851 LAKE DR W STE 350 CHANHASSEN, MN 55317 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS & REYNOLDS | 300 WALNUT ST SUITE 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $67 | $4K | 15.26% |
| BENEUSA LLC3 | P.O. BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS & REYNOLDS | 300 WALNUT ST SUITE 200 DES MOINES, IA 50309 | VSP - VISION SERVICE PLAN | — | $718 | $718 | 3.44% |
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS & REYNOLDS | 300 WALNUT ST SUITE 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $50 | $3K | 15.00% |
| BENEUSA LLC3 | 1851 LAKE DR W STE 350 CHANHASSEN, MN 55317 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $940 | $940 | 5.00% |
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS & REYNOLDS | 300 WALNUT ST SUITE 200 DES MOINES, IA 50309 | VSP - VISION SERVICE PLAN | — | $668 | $668 | 4.07% |
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS & REYNOLDS | 300 WALNUT ST SUITE 200 DES MOINES, IA 50309 | VSP - VISION SERVICE PLAN | $515 | — | $515 | 4.15% |
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS & REYNOLDS | 300 WALNUT ST SUITE 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $21 | $1K | 15.26% |
| BENEUSA LLC3 | P.O. BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $409 | $409 | 5.00% |
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS & REYNOLDS | 300 WALNUT ST SUITE 200 DES MOINES, IA 50309 | VSP - VISION SERVICE PLAN | — | -$22 | -$22 | -0.38% |
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 | 419 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 419 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 419 | $2.8M |
| Vision(4 contracts) | VSP - VISION SERVICE PLAN | 100 | $55K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 351 | $48K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 351 | $28K |
| Other(4 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 351 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 419 | — |
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.