| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE INSURANCE COMPANY EIN 36-2739571 | Claims processing Service code 12 | — | $915K |
| COMPUSYS OF UTAH, INC. EIN 84-0869853 | Contract Administrator; Claims processing Service code 12 | — | $288K |
| BLAKE & UHLIG EIN 48-0918231 | Legal Service code 29 | — | $179K |
| UNITED ACTUARIAL SERVICE EIN 35-2156428 | Actuarial Service code 11 | — | $57K |
| DEBOER & ASSOCIATES, PC EIN 47-0836395 | Accounting (including auditing) Service code 10 | — | $38K |
| FIDUCIENT ADVISORS EIN 36-4001764 | Investment advisory (plan) Service code 27 | — | $28K |
| COMMUNITY BANK AND TRUST EIN 42-1524302 | Trustee (bank, trust company, or similar financial institution); Custodial (securities); Securities brokerage Service code 19 | — | $28K |
| COMMUNITY STATE BANK EIN 42-0839178 | Account maintenance fees Service code 65 | — | $6K |
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 | 2,136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 99 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF IOWA | 2,121 | $1.5M |
| Vision | VISION SERVICE PLAN | 2,193 | $193K |
| Stop-loss / reinsurancereinsurance | UNION LABOR LIFE INSURANCE COMPANY | 2,152 | $529K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,193 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.