| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | — | WELLMARK BLUE CROSS & BLUE SHIELD OF IOWA | — | — | $0 | 0.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS | 4200 UNIVERSITY AVE, STE 200 WEST DES MOINES, IA 50266 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 4.37% |
| BHERD, LLC3 Filed as: BHERD | 1956 PARK AVE DES MOINES, IA 50315 | SUN LIFE ASSURANCE COMPANY OF CANADA | $155 | $1K | $1K | 3.79% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS, LLC | 4200 UNIVERSITY AVE SUITE 200 WEST DES MOINES, IA 50266 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 11.50% |
| BHERD, LLC3 | 1956 PARK AVENUE DES MOINES, IA 50315 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $535 | $535 | 1.65% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS, LLC | 914 AVENUE G FORT MADISON, IA 52627 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $301 | $1K | 13.00% |
| BHERD, LLC3 | 1956 PARK AVENUE DES MOINES, IA 50315 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $502 | — | $502 | 5.00% |
| BHERD, LLC3 | 1956 PARK AVENUE DES MOINES, IA 50315 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $833 | — | $833 | 15.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS, LLC | 914 AVENUE G FORT MADISON, IA 52627 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $555 | $167 | $722 | 13.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS, LLC | 914 AVENUE G FORT MADISON, IA 52627 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $540 | $162 | $702 | 12.99% |
| BHERD, LLC3 | 1956 PARK AVENUE DES MOINES, IA 50315 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $270 | — | $270 | 5.00% |
| BHERD, LLC3 | 1956 PARK AVENUE DES MOINES, IA 50315 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $528 | — | $528 | 15.01% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS, LLC | 914 AVENUE G FORT MADISON, IA 52627 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $352 | $106 | $458 | 13.02% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS, LLC | 914 AVENUE G FORT MADISON, IA 52627 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $337 | $101 | $438 | 13.01% |
| BHERD, LLC3 | 1956 PARK AVENUE DES MOINES, IA 50315 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $168 | — | $168 | 4.99% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS, LLC | 914 AVENUE G FORT MADISON, IA 52627 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $53 | $16 | $69 | 12.95% |
| BHERD, LLC3 | 1956 PARK AVENUE DES MOINES, IA 50315 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $27 | — | $27 | 5.07% |
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 | 124 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS & BLUE SHIELD OF IOWA | 79 | $936K |
| Dental(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 126 | $69K |
| Vision(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 126 | $69K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 126 | $46K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 126 | $36K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 126 | $41K |
| Stop-loss / reinsurancereinsurance | WELLMARK BLUE CROSS & BLUE SHIELD OF IOWA | 79 | $936K |
| Other(5 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 126 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.