| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAMAIR MULOCK CONDON CO3 | 4200 UNIVERSITY AVE STE 200 WEST DES MOINES, IA 50266 | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | $50K | — | $50K | 1.44% |
| LAMAIR MULOCK CONDON CO3 Filed as: LAMAIR MLOCK CONDON CO | 4200 UNIVERSITY AVE STE 200 WEST DES MOINES, IA 50266 | DELTA DENTAL OF WISCONSIN | $9K | — | $9K | 6.41% |
| ISG ADVISORS LLC3 | 708 HEARTLAND TRAIL STE 1000 MADISON, WI 53717 | NGL | $2K | — | $2K | 7.31% |
| LAMAIR MULOCK CONDON CO3 | 4200 UNIVERSITY AVE STE 200 WEST DES MOINES, IA 50266 | NGL | $170 | — | $170 | 0.69% |
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 | 169 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | 169 | $3.5M |
| Dental | DELTA DENTAL OF WISCONSIN | 172 | $140K |
| Vision | NGL | 257 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.