| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DENNIS CURTIS3 | 2199 260TH ST DENVER, IA 506229706 | METROPOLITAN LIFE INSURANCE COMPANY | $30K | — | $30K | 7.48% |
| SUPPLMENTAL INSURANCE3 | 115 E PLATT ST. MAQUOKETA, IA 520602337 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $3K | $6K | 1.49% |
| SUPPLEMENTAL INS SVCS INC3 Filed as: SUPPLEMENTAL INSURANCE | 115 E PLATT ST MAQUOETA, IA 520602337 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $540 | $4K | 17.30% |
| DENNIS CURTIS3 | 2199 260TH ST DENVER, IA 506229706 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 6.45% |
| SUPPLEMENTAL INS SVCS INC3 Filed as: SUPPLEMENTAL INSURANCE | 115 E PLATT ST MAQUOETA, IA 520602337 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $439 | $5K | 23.64% |
| DENNIS CURTIS3 | 2199 260TH ST DENVER, IA 506229706 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 9.03% |
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 | 797 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 825 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | WELLMARK HEALTH PLAN OF IOWA | 356 | $3.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,516 | $396K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,516 | $396K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,516 | $396K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,516 | $396K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,516 | $396K |
| Prescription drug(2 contracts) | WELLMARK HEALTH PLAN OF IOWA | 356 | $3.4M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,516 | $396K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,516 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.