| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS, LLC | 4200 UNIVERSITY AVENUE WEST DES MOINES, IA 50266 | DELTA DENTAL OF IOWA | $6K | — | $6K | 6.67% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS, LLC | 4200 UNIVERSITY AVENUE, SUITE 200 WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 11.82% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS, LLC | 4200 UNIVERSITY AVENUE, SUITE 200 WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| BHERD, LLC3 | 1956 PARK AVENUE DES MONIES, IA 50315 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $195 | — | $195 | 0.80% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS, LLC | 4200 UNIVERSITY AVENUE, SUITE 200 WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 9.99% |
| BHERD, LLC | 1956 PARK AVENUE DES MONIES, IA 50315 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $187 | — | $187 | 0.81% |
| ZENTENHORST FINANCIAL, INC.3 | 1230 S MAIN AVENUE SIOUX CENTER, IA 51250 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 5250 N PALM, SUITE 424 FRENSO, CA 93704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS LLC | 4200 UNIVERSITY AVENUE, SUITE 200 WEST DES MOINES, IA 50266 | VISION SERVICE PLAN | $1K | — | $1K | 5.01% |
| SUPPLEMENTAL INSURANCE PROFESSIONAL3 Filed as: SUPPLEMENTAL INSURANCE PROFESS | 1956 PARK AVENUE DES MONIES, IA 50315 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 35.50% |
| FREDERICK S BOUNDS3 | 505 GRAND OAKS DRIVE WEST DES MONIES, IA 50265 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 32.50% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS, LLC | 4200 UNIVERSITY AVENUE, SUITE 200 WEST DES MOINES, IA 50266 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $172 | $172 | 1.13% |
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 | 183 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF IOWA | 122 | $91K |
| Vision | VISION SERVICE PLAN | 100 | $21K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 136 | $37K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 183 | $24K |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 136 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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.