| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ZEUTENHORST FINANCIAL3 Filed as: ZEUTENHORST FINANCIAL INC. | 1230 S. MAIN SIOUX CENTER, IA 51250 | DELTA DENTAL OF IOWA | $7K | $0 | $7K | 9.18% |
| ZEUTENHORST FINANCIAL3 Filed as: ZEUTENHORST FINANCIAL, INC. | 1230 S. MAIN AVENUE P.O. BOX 195 SIOUX CENTER, IA 51250 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.21% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N. FRONT STREET SUITE 301 HARRISBURG, PA 17110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY | 350 FIFTH AVENUE SUITE 3700 NEW YORK, NY 10118 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $707 | $707 | 1.49% |
| GROUP MARKETING SERVICES INC3 Filed as: GROUP MARKETING SERVICES, INC | 17445 ARBOR STREET OMAHA, NE 68130 | NATIONAL UNION FIRE INS CO OF PITTSBURGH, PA | $2K | $0 | $2K | 7.00% |
| ZEUTENHORST FINANCIAL3 Filed as: ZEUTENHORST FINANCIAL INC. | 1230 S. MAIN AVE SIOUX CENTER, IA 51250 | VISION SERVICE PLAN | $2K | $0 | $2K | 10.00% |
| ZEUTENHORST FINANCIAL3 Filed as: ZEUTENHORST FINANCIAL, INC. | 1230 S. MAIN AVENUE P.O. BOX 195 SIOUX CENTER, IA 51250 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N. FRONT STREET SUITE 301 HARRISBURG, PA 17110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $901 | $0 | $901 | 5.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY | 350 FIFTH AVENUE SUITE 3700 NEW YORK, NY 10118 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $233 | $233 | 1.29% |
| GRETCHEN J ZOMERMAAND3 | 1230 SOUTH MAIN SIOUX CENTER, IA 51250 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 19.67% |
| EMERSON REID LLC3 | 4651 WEST CHESTER PIKE NEWTON SQUARE, PA 19073 | TRANSAMERICA LIFE INSURANCE COMPANY | $364 | $0 | $364 | 3.23% |
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 | 181 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF IOWA | 110 | $74K |
| Vision | VISION SERVICE PLAN | 94 | $20K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 181 | $47K |
| Stop-loss / reinsurancereinsurance | NATIONAL UNION FIRE INS CO OF PITTSBURGH, PA | 171 | $33K |
| Other(4 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 181 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.