| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAMAIR MULOCK CONDON CO3 Filed as: LAMAIR MURLOCK CONDON CO. | 4200 UNIVERSITY AVE STE 200 WEST DES MOINES, IA 502665945 | RELIANCE STANDARD LIFE INSURANCE CO | — | $9K | $9K | 1.85% |
| INTERREMEDY INSURANCE SERVICES3 Filed as: INTERREMEDY INSURANCE SERVICES, LLC | 315 MONTGOMERY STREET SUITE 900 SAN FRANCISCO, CA 94104 | HCC LIFE INSURANCE COMPANY | — | $24K | $24K | 5.16% |
| LAMAIR MULOCK CONDON CO3 Filed as: LAMAIR MULOCK CONDON CO. | 4200 UNIVERSITY AVE STE 200 WEST DES MOINES, IA 502665945 | RELIANCE STANDARD LIFE INSURANCE CO | — | $9K | $9K | 2.12% |
| LAMAIR MULOCK CONDON CO3 Filed as: LAMAIR MULOCK CONDON CO. | 4200 UNIVERSITY AVE STE 200 WEST DES MOINES, IA 502665945 | RELIANCE STANDARD LIFE INSURANCE CO | — | $8K | $8K | 2.43% |
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 | 5,381 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 120 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 5,501 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HMSA | 12 | $49K |
| Dental | HMSA | 12 | $49K |
| Life insurance(3 contracts, 3 carriers) | HCC LIFE INSURANCE COMPANY | 4,982 | $1.1M |
| Short-term disability | USABLE LIFE | 3 | $2K |
| Long-term disability(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE CO | 5,451 | $1.3M |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE CO | 5,838 | $410K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,838 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.