| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT SOLUTIONS INC3 | 425 SECOND STREET SOUTHEAST SUITE 1150 CEDAR RAPIDS, IA 52401 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $26K | — | $26K | 1.80% |
| BENEFIT SOLUTIONS INC3 | 425 SECOND STREET SOUTHEAST SUITE 1150 CEDAR RAPIDS, IA 52401 | DELTA DENTAL OF IOWA | $6K | $1K | $7K | 5.40% |
| BENEFIT SOLUTIONS INC3 | 425 SECOND STREET SOUTHEAST SUITE 1150 CEDAR RAPIDS, IA 52401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| BENEFIT SOLUTIONS INC3 | 425 SECOND STREET SOUTHEAST SUITE 1150 CEDAR RAPIDS, IA 52401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| BENEFIT SOLUTIONS INC3 | 425 SECOND STREET SOUTHEAST SUITE 1150 CEDAR RAPIDS, IA 52401 | VERATRUS BUSINESS SOLUTIONS | $3K | — | $3K | 10.00% |
| BENEFIT SOLUTIONS INC3 | 425 SECOND STREET SOUTHEAST SUITE 1150 CEDAR RAPIDS, IA 52401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| BENEFIT SOLUTIONS INC3 | 425 SECOND STREET SOUTHEAST SUITE 1150 CEDAR RAPIDS, IA 52401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| BENEFIT SOLUTIONS INC3 | 425 SECOND STREET SOUTHEAST SUITE 1150 CEDAR RAPIDS, IA 52401 | UNION SECURITY INSURANCE COMPANY | $726 | — | $726 | 14.71% |
| BENEFIT SOLUTIONS INC3 | 425 SECOND STREET SOUTHEAST SUITE 1150 CEDAR RAPIDS, IA 52401 | UNION SECURITY INSURANCE COMPANY | $317 | — | $317 | 15.55% |
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 | 318 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 328 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 220 | $1.4M |
| Dental | DELTA DENTAL OF IOWA | 242 | $136K |
| Vision | VERATRUS BUSINESS SOLUTIONS | 220 | $25K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 318 | $36K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 318 | $62K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 318 | $34K |
| Prescription drug | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 220 | $1.4M |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 318 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 318 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.