| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYER ADMINISTRATIVE SERVICES3 | 4200 UNIVERSITY AVENUE, STE 200 WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $19K | $19K | 21.40% |
| LAMAIR MULOCK CONDON CO3 Filed as: LAMAIR-MULOCK-CONDON CO. | 4200 UNIVERSITY AVE, STE 200 WEST DES MOINES, IA 502665945 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $2K | $11K | 12.26% |
| MIDWEST HERITAGE3 Filed as: MIDWEST HERITAGE SERVICES INC | 1025 BRADEN AVE PO BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | — | $12K | 17.63% |
| LAMAIR MULOCK CONDON CO3 Filed as: LAMAIR-MULOCK-CONDON CO | 4200 UNIVERSITY AVE, STE 200 WEST DES MOINES, IA 50266 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 7.91% |
| ALAN PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $541 | — | $541 | 0.80% |
| LAMAIR MULOCK CONDON CO3 Filed as: LAMAIR-MULOCK-CONDON CO. | 4200 UNIVERSITY AVE, STE 200 WEST DES MOINES, IA 502665945 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $1K | $6K | 12.32% |
| LAMAIR MULOCK CONDON CO3 Filed as: LAMAIR-MULOCK-CONDON CO. | 4200 UNIVERSITY AVE, STE 200 WEST DES MOINES, IA 502665945 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $820 | $8K | 22.14% |
| EMPLOYER ADMINISTRATIVE SERVICES3 | 4200 UNIVERSITY AVE, STE 200 WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $8K | $8K | 21.40% |
| LONG TERM CARE SOLUTIONS, INC.3 Filed as: LONG TERM CARE SOLUTIONS, INC | 14715 NE 95TH ST REDMOND, WA 98052 | LIFESECURE INSURANCE COMPANY | $3K | — | $3K | 11.00% |
| LAMAIR MULOCK CONDON CO3 Filed as: LAMAIR-MULOCK-CONDON CO. | 4200 UNIVERSITY AVE, STE 200 WEST DES MOINES, IA 502665945 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $507 | $3K | 12.11% |
| LAMAIR MULOCK CONDON CO3 Filed as: LAMAIR-MULOCK-CONDON CO. | 4200 UNIVERSITY AVE, STE 200 WEST DES MOINES, IA 502665945 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $748 | $177 | $925 | 12.36% |
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 | 925 | 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) | 925 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 873 | $157K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 121 | $112K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 120 | $62K |
| Other(4 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 873 | $189K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 873 | — |
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.