| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INSURANCE SVCS. | PO BOX 632886 CINCINNATI, OH 45263 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30K | $0 | $30K | 4.39% |
| JOSEPH D. GRANDGENETT3 | 5683 409TH COURT NORTH BRANCH, MN 55056 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24K | $0 | $24K | 3.44% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 1.25% |
| MANUEL A MADRID3 Filed as: MANUEL MADRID AND OTHER AGENTS | 1048 INDEPENDENT AVENUE, SUITE 207A GRAND JUNCTION, CO 81505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 1.02% |
| SHANON M MCGAVER3 Filed as: SHANON M. MCGAVER | PO BOX 154 ELK RIVER, MN 55330 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 0.71% |
| MANNY AM LLC3 Filed as: MANNY AM, LLC | 1048 INDEPENDENT AVENUE, SUITE 207A GRAND JUNCTION, CO 81505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.36% |
| ARIEL MARIE NOVAK3 Filed as: ARIEL M. NOVAK | 28985 OGREN TRAIL CENTER CITY, MN 55012 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.21% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | SYMETRA LIFE INSURANCE COMPANY | $23K | $0 | $23K | 4.63% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | SYMETRA LIFE INSURANCE COMPANY | $23K | $0 | $23K | 4.63% |
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 | 2,970 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,995 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 316 | $3.1M |
| Vision | CONTINENTAL AMERICAN INSURANCE COMPANY | 10 | $691K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 4,640 | $1.2M |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 4,640 | $1.2M |
| Prescription drug | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 316 | $3.1M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 4,640 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,640 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.