| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REYNOLDS & REYNOLDS INC3 | 300 WALNUT ST STE 200 DES MOINES, IA 503092239 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $74K | $77K | 2.75% |
| USI INSURANCE SERVICES LLC3 | 300 WALNUT ST STE 200 DES MOINES, IA 503092262 | UNITEDHEALTHCARE INSURANCE COMPANY | $395 | $15K | $15K | 0.54% |
| REYNOLDS & REYNOLDS INC3 | 300 WALNUT ST STE 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $258 | $3K | 9.94% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURNCE SERVICES LLC | 300 WALNUT ST STE 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.85% |
| BENEUSA LLC3 | P.O. BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| REYNOLDS & REYNOLDS INC3 | 300 WALNUT ST STE 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $224 | $3K | 10.20% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURNCE SERVICES LLC | 300 WALNUT ST STE 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.59% |
| BENEUSA LLC3 | P.O. BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| REYNOLDS & REYNOLDS INC3 | 300 WALNUT ST STE 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $194 | $3K | 11.45% |
| BENEUSA LLC3 | P.O. BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURNCE SERVICES LLC | 300 WALNUT ST STE 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 4.35% |
| REYNOLDS & REYNOLDS INC3 | 300 WALNUT ST STE 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $148 | $2K | 9.96% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURNCE SERVICES LLC | 300 WALNUT ST STE 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 5.62% |
| BENEUSA LLC3 | P.O. BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $926 | $926 | 5.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURNCE SERVICES LLC | 300 WALNUT ST STE 200 DES MOINES, IA 50309 | VISION SERVICE PLAN | $357 | — | $357 | 1.97% |
| REYNOLDS & REYNOLDS INC3 | 300 WALNUT ST STE 200 DES MOINES, IA 50309 | VISION SERVICE PLAN | $356 | — | $356 | 1.97% |
| REYNOLDS & REYNOLDS INC3 | 300 WALNUT ST STE 200 DES MOINES, IA 50309 | VISION SERVICE PLAN | $404 | — | $404 | 2.76% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURNCE SERVICES LLC | 300 WALNUT ST STE 200 DES MOINES, IA 50309 | VISION SERVICE PLAN | $135 | — | $135 | 0.92% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURNCE SERVICES LLC | 300 WALNUT ST STE 200 DES MOINES, IA 50309 | VISION SERVICE PLAN | $308 | — | $308 | 2.44% |
| REYNOLDS & REYNOLDS INC3 | 300 WALNUT ST STE 200 DES MOINES, IA 50309 | VISION SERVICE PLAN | $186 | — | $186 | 1.48% |
| REYNOLDS & REYNOLDS INC3 | 300 WALNUT ST STE 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $903 | $68 | $971 | 11.27% |
| BENEUSA LLC3 | P.O. BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $431 | $431 | 5.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURNCE SERVICES LLC | 300 WALNUT ST STE 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $389 | — | $389 | 4.52% |
| USI INSURANCE SERVICES LLC3 | 300 WALNUT ST STE 200 DES MOINES, IA 50309 | VISION SERVICE PLAN | $131 | — | $131 | 2.49% |
| REYNOLDS & REYNOLDS INC3 | 300 WALNUT ST STE 200 DES MOINES, IA 50309 | VISION SERVICE PLAN | $8 | — | $8 | 0.15% |
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 | 398 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 398 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 398 | $2.8M |
| Vision(4 contracts) | VISION SERVICE PLAN | 85 | $51K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 351 | $51K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 350 | $28K |
| Other(4 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 351 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 398 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.