| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF GREAT PLAINS | 941 AVENUE G FORT MADISON, IA 52627 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | $50K | $54K | 5.52% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF GREAT PLAINS | 941 AVENUE G FORT MADISON, IA 52627 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $848 | $5K | 18.09% |
| BHERD, LLC3 | 1956 PARK AVENUE DES MOINES, IA 50315 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $318 | $2K | 6.16% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF GREAT PLAINS | 941 AVENUE G FORT MADISON, IA 52627 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $365 | $2K | 17.61% |
| BHERD, LLC3 | 1956 PARK AVENUE DES MOINES, IA 50315 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $699 | $0 | $699 | 5.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS GREAT PLAINS, LLC | 914 AVENUE G FORT MADISON, IA 52627 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $879 | $115 | $994 | 16.96% |
| BHERD, LLC3 | 1956 PARK AVENUE DES MOINES, IA 50315 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $293 | $0 | $293 | 5.00% |
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 | 235 | 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) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 235 | $970K |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 235 | $970K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 159 | $14K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 119 | $27K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 41 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.