| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS GREAT PLAINS | 4200 UNIVERSITY AVE SUITE 200 WEST DES MOINES, IA 50266 | SYMETRA LIFE INSURANCE COMPANY | $11K | $0 | $11K | 9.99% |
| BHERD, LLC3 Filed as: BHERD | 1956 PARK AVENUE DES MOINES, IA 50315 | SYMETRA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 4.16% |
| ASSUREDPARTNERS5 Filed as: ASSURED PARTNERS GREAT PLAINS LLC | 914 AVENUE G FORT MADISON, IA 52627 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | $0 | $3K | 8.36% |
| LOCKTON COMPANIES, LLC5 Filed as: LOCKTON COMPANIES | THREE CITY PLACE DRIVE SUITE 900 SAINT LOUIS, MO 63141 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $615 | $0 | $615 | 1.64% |
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 | 217 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 130 | $38K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 217 | $106K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 217 | $106K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 217 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.