| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VAN ENGELENHOVEN AGENCY INC3 Filed as: VAN ENGELENHOVEN AGENCY | 122 CENTRAL AVENUE SW ORANGE CITY, IA 51041 | DELTA DENTAL OF SOUTH DAKOTA | $4K | — | $4K | 4.99% |
| SELECT NETWORKS3 | 317 6TH AVENUE, STE. 1040 DES MOINES, IA 50309 | AVESIS ESSENTIAL BENEFITS | $2K | — | $2K | 11.01% |
| PARTNERS HEALTH INSURANCE3 Filed as: PARTNERS HEALTH | 122 CENTRAL AVENUE, SW ORANGE CITY, IA 51041 | AVESIS ESSENTIAL BENEFITS | $2K | — | $2K | 10.01% |
| PARTNERS HEALTH INSURANCE3 | 122 CENTRAL AVE SW ORANGE CITY, IA 51041 | CIGNA | $116 | — | $116 | 11.01% |
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 | 171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK OF SOUTH DAKOTA, INC | 173 | $1.3M |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 274 | $83K |
| Vision | AVESIS ESSENTIAL BENEFITS | 271 | $19K |
| Life insurance | CIGNA | 301 | $1K |
| Other(2 contracts) | CIGNA | 301 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 301 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.