| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT SOLUTIONS INC3 | 1055 LONGFELLOW DRIVE SUITE B HIAWATHA, IA 52233 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 5.70% |
| BENEFIT SOLUTIONS INC3 | 425 SECOND STREET SOUTHEAST SUITE 1150 CEDAR RAPIDS, IA 52401 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $6K | $6K | 3.79% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT ROAD SUITE 240 ST CLOUD, MN 56301 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 1.95% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PATNERS LLC | 2048 SUPERIOR DRIVE NW ROCHESTER, MN 55901 | DELTA DENTAL OF IOWA | $5K | $1K | $7K | 5.29% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PATNERS LLC | 2048 SUPERIOR DRIVE NORTHWEST RICGESTER, MN 55901 | DELTA DENTAL OF IOWA | $2K | — | $2K | 9.17% |
| BENEFIT SOLUTIONS INC3 | 425 SECOND STREET SOUTHEAST SUITE 1150 CEDAR RAPIDS, IA 52401 | UNION SECURITY INSURANCE COMPANY | $275 | — | $275 | 13.70% |
| BENEFIT SOLUTIONS INC3 | 425 SECOND STREET SOUTHEAST SUITE 1150 CEDAR RAPIDS, IA 52401 | UNION SECURITY INSURANCE COMPANY | $244 | — | $244 | 14.07% |
| BENEFIT SOLUTIONS INC3 | 425 SECOND STREET SOUTHEAST SUITE 1150 CEDAR RAPIDS, IA 52401 | UNION SECURITY INSURANCE COMPANY | $866 | — | $866 | 55.02% |
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 | 287 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WELLMARK HEALTH PLAN OF IOWA | 134 | $1.2M |
| Dental | DELTA DENTAL OF IOWA | 208 | $125K |
| Vision | DELTA DENTAL OF IOWA | 195 | $23K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 290 | $166K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 290 | $166K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 290 | $166K |
| Prescription drug | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 58 | $455K |
| Other(4 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 290 | $172K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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.