| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT ROAD SUITE 240 SAINT CLOUD, MN 56301 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 4.87% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 | PO BOX 2597 WATERLOO, IA 50704 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 2.42% |
| NORTH RISK PARTNERS LLC3 | 2048 SUPERIOR DRIVE NORTHWEST ROCHESTER, MN 55901 | DELTA DENTAL OF IOWA | $4K | $687 | $5K | 3.59% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 Filed as: PEDERSEN, DOWIE, CLABBY & MCCAUSLAN | 3022 AIRPORT BOULEVARD WATERLOO, IA 50703 | DELTA DENTAL OF IOWA | $2K | — | $2K | 1.53% |
| GARY WARE & ASSOC INC3 Filed as: GARY WARE ASSOC | — | ASSURITY LIFE INSURANCE COMPANY | $7K | — | $7K | 21.92% |
| NORTH AMERICAN BENEFITS COMPANY3 Filed as: NORTH RICK PARTNERS | — | ASSURITY LIFE INSURANCE COMPANY | $7K | — | $7K | 21.38% |
| MATTHEW REDNOUR3 | — | ASSURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 10.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DAVID KEENAN | — | ASSURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 6.88% |
| MICHAEL C WALKER3 Filed as: MICHAEL PETERS & ASSOC | — | ASSURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 6.41% |
| MICHAEL L. SEBENS3 Filed as: MICHAEL PETERS | — | ASSURITY LIFE INSURANCE COMPANY | $651 | — | $651 | 2.02% |
| PEDERSON DOWIE CLABBY & MCCLAUSLAND3 | — | ASSURITY LIFE INSURANCE COMPANY | $132 | — | $132 | 0.41% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PATNERS LLC | 2048 SUPERIOR DRIVE NORTHWEST ROCHESTER, MN 55901 | VERATRUS BENEFIT SOLUTIONS | $2K | — | $2K | 6.94% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 Filed as: PEDERSEN, DOWIE, CLABBY & MCCAUSLAN | 3022 AIRPORT BOULEVARD WATERLOO, IA 50703 | VERATRUS BENEFIT SOLUTIONS | $857 | — | $857 | 3.48% |
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 | 311 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 323 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WELLMARK HEALTH PLAN OF IOWA | 153 | $1.6M |
| Dental | DELTA DENTAL OF IOWA | 242 | $134K |
| Vision | VERATRUS BENEFIT SOLUTIONS | 217 | $25K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 317 | $203K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 317 | $203K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 317 | $203K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 317 | $235K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 317 | — |
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.