| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT SOURCE INC3 | 4000 WESTOWN PARKWAY SUITE 110 WEST DES MOINES, IA 50266 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | — | $16K | 1.73% |
| BENEFIT SOURCE INC3 Filed as: BENEFIT SOURCE INC. | JENNIFER S. BROWNE INC. WEST DES MOINES, IA 50266 | WELLMARK INC. | $5K | — | $5K | 4.80% |
| BENEFIT SOURCE INC3 Filed as: BENEFIT SOURCE, INC. | 4000 WESTOWN PARKWAY SUITE 110 WEST DES MOINES, IA 50266 | VISION SERVICE PLAN | $1K | — | $1K | 4.49% |
| CONSUMER SYSTEMS INC3 | PO BOX 9063 CEDAR RAPIDS, IA 52409 | AFLAC | $211 | — | $211 | 5.32% |
| RANDALL M COOPER3 | 221 1ST STREET NE SUITE C MOUNT VERNON, IA 52314 | AFLAC | $114 | — | $114 | 2.88% |
| JOSHUA J PARISE3 | 7325 JANES AVE WOODRIDGE, IL 60517 | AFLAC | $53 | — | $53 | 1.34% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DRIVE SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $10 | — | $10 | 0.25% |
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 | 224 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 115 | $907K |
| Dental | WELLMARK INC. | 148 | $95K |
| Vision | VISION SERVICE PLAN | 169 | $33K |
| Other | AFLAC | 5 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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.