| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LARRY A. VOGT3 Filed as: LARRY VOGT | 1750 CREEK WOOD DR DUBUQUE, IA 520037603 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 15.07% |
| BENEUSA LLC3 | 1851 LAKE DR W STE 350 CHANHASSEN, MN 553178567 | METROPOLITAN LIFE INSURANCE COMPANY | $737 | — | $737 | 5.43% |
| REYNOLDS & REYNOLDS INC3 | 300 WALNUT ST STE 200 DES MOINES, IA 503092262 | METROPOLITAN LIFE INSURANCE COMPANY | — | $61 | $61 | 0.45% |
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 | 119 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL ASSOCIATES HEALTH PLANS | 151 | $660K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 108 | $14K |
| Prescription drug | MEDICAL ASSOCIATES HEALTH PLANS | 151 | $660K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.