| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC3 Filed as: LMC INSURANCE & RISK MANAGEMENT INC | 4200 UNIVERSITY AVE STE 200 WEST DES MOINES, IA 50266 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $21K | — | $21K | 2.16% |
| SELECT NETWORKS3 | 317 6TH AVENUE DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 11.03% |
| MOLYNEAUX INSURANCE INC3 Filed as: MOLYNEAUX RISK SOLUTIONS | 100 KIRKWOOD BLVD DAVENPORT, IA 52803 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 10.03% |
| MOLYNEAUX INSURANCE INC3 Filed as: MOLYNEAUX INSURANCE INC. | 5025 UTICA RIDGE RD STE 100 DAVENPORT, IA 52807 | HARTFORD LIFE AND ACCIDENT | $555 | — | $555 | 15.50% |
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 | 83 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 83 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 83 | $963K |
| Dental | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 83 | $963K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 74 | $14K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 9 | $4K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2 | $1K |
| Other | HARTFORD LIFE AND ACCIDENT | 9 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 83 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.