| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS & REYNOLDS | 300 WALNUT ST., STE 200 DES MOINES, IA 50309 | CONTINENTAL AMERICAN INSURANCE COMPANY | $261 | — | $261 | 0.82% |
| GINA WIEGAND3 Filed as: GINA WIEGAND, INC | 5904 NW 95TH COURT JOHNSTON, IA 50131 | CONTINENTAL AMERICAN INSURANCE COMPANY | $205 | — | $205 | 0.64% |
| BRAD P LUFKIN3 Filed as: BRAD LUFKIN | 2570 106TH ST URBANDALE, IA 50322 | CONTINENTAL AMERICAN INSURANCE COMPANY | $151 | — | $151 | 0.47% |
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS & REYNOLDS | 300 WALNUT ST., STE 200 DES MOINES, IA 50309 | EYE MED | $1K | — | $1K | 8.50% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY | ATTN OPERATING ACCOUNT DES MOINES, IA 50302 | EYE MED | $130 | — | $130 | 0.74% |
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 | 223 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 133 | $1.1M |
| Dental | DELTA DENTAL OF IOWA | 137 | $0 |
| Vision | EYE MED | 194 | $18K |
| Life insurance | CONTINENTAL AMERICAN INSURANCE COMPANY | 223 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 223 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.