| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: WELLMARK BLUE CROSS BLUE SHIELD | 1331 GRAND AVENUE DES MOINES, IA 50309 | WELLMARK BLUE CROSS BLUE SHIELD OF IOWA | $5K | — | $5K | 4.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 6967 S RIVER GATE DR MIDVALE, UT 84047 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $6K | $12K | 21.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 6967 S RIVER GATE DR MIDVALE, UT 84047 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $2K | $5K | 20.93% |
| SELECT NETWORKS3 | 317 6TH AVE., SUITE 1040 DES MOINES, IA 50309 | FIDELITY SERCURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 11.00% |
| INNOVATIVE BENEFIT CONSULTANTS3 | 1119 4TH STREET, STE 109 SIOUX CITY, IA 50309 | FIDELITY SERCURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
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 | 127 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | WELLMARK INC | 67 | $1.5M |
| Dental | WELLMARK BLUE CROSS BLUE SHIELD OF IOWA | 151 | $107K |
| Vision | FIDELITY SERCURITY LIFE INSURANCE COMPANY | 229 | $21K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 172 | $55K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 179 | $22K |
| Prescription drug | WELLMARK INC | 67 | $785K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.