| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VHA MID AMERICA INS SVCS3 Filed as: VHA MID AMERICA INSURANCE SERV | 7415 W 130TH ST STE 200 OVERLAND PARK, KS 66213 | SYMETRA LIFE INSURANCE COMPANY | $70K | $22K | $91K | 15.70% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SERVICES, | 16820 FRANCES ST OMAHA, NE 68130 | TRANSAMERICA LIFE INSURANCE COMPANY | $72K | $0 | $72K | 37.70% |
| MIDWEST HERITAGE INSURANCE SERVICES3 | 3850 EP TRUE PARKWAY, SUITE 100 WEST DES MOINES, IA 50265 | TRANSAMERICA LIFE INSURANCE COMPANY | $31K | $0 | $31K | 16.16% |
| ALAN PAPE3 Filed as: ALAN M PAPE | 115 E PLATT ST MAQUOKETA, IA 52060 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.97% |
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 | 1,305 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,305 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 1,305 | $582K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,305 | $582K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,305 | $773K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,305 | — |
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.