| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ZEUTENHORST FINANCIAL3 Filed as: ZEUTENHORST FINANCIAL INC. | 1230 S MAIN AVENUE SIOUX CENTER, IA 51250 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $22K | — | $22K | 1.43% |
| GMS BENEFITS3 Filed as: GMS EMPLOYEE BENEFIT SPECIALISTS | 3421 N 190TH PLZ ELKHORN, NE 68022 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $11K | — | $11K | 0.70% |
| KHI SOLUTIONS LLC3 | 130 N 25TH ST FORT DODGE, IA 50501 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | $3K | $15K | 12.11% |
| ZEUTENHORST FINANCIAL3 Filed as: ZEUTENHORST FINANCIAL INC. | 1230 S MAIN AVENUE SIOUX CENTER, IA 51250 | AMERITAS LIFE INSURANCE CORP. | $3K | — | $3K | 15.00% |
| GROUP MARKETING SERVICES INC3 Filed as: GROUP MARKETING SERVICES, INC. | 3421 N 190TH PLAZA ELKHORN, NE 68022 | HCC LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| KHI SOLUTIONS LLC3 | 130 N 25TH ST FORT DODGE, IA 50501 | DELTA DENTAL OF IOWA | $5K | $724 | $6K | — |
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 | 106 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 90 | $1.5M |
| Dental | DELTA DENTAL OF IOWA | 95 | $0 |
| Vision | AMERITAS LIFE INSURANCE CORP. | 167 | $23K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 335 | $121K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 335 | $121K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 335 | $121K |
| Other | HCC LIFE INSURANCE COMPANY | 91 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 335 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.