| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT SOLUTIONS INC3 | 425 2ND ST SE, STE 1150 CEDAR RAPIDS, IA 52401 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $15K | — | $15K | 1.22% |
| BENEFIT SOLUTIONS INC3 | 425 2ND ST SE, STE 1150 CEDAR RAPIDS, IA 524011818 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $3K | — | $3K | 2.91% |
| BENEFIT SOLUTIONS INC3 | 425 2ND ST SE, STE 1150 CEDAR RAPIDS, IA 52401 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 13.00% |
| BENEFIT SOLUTIONS INC3 | 425 2ND ST SE, STE 1150 CEDAR RAPIDS, IA 524011818 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 8.55% |
| BENEFIT SOLUTIONS INC3 | 425 2ND ST SE, STE 1150 CEDAR RAPIDS, IA 52401 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| BENEFIT SOLUTIONS INC3 | 425 2ND ST SE, STE 1150 CEDAR RAPIDS, IA 524011818 | UNION SECURITY INSURANCE COMPANY | $774 | — | $774 | 9.99% |
| BENEFIT SOLUTIONS INC3 | 425 2ND ST SE, STE 1150 CEDAR RAPIDS, IA 52401 | UNION SECURITY INSURANCE COMPANY | $190 | — | $190 | 15.02% |
| BENEFIT SOLUTIONS INC3 | 425 2ND ST SE, STE 1150 CEDAR RAPIDS, IA 52401 | UNION SECURITY INSURANCE COMPANY | $106 | — | $106 | 15.04% |
| BENEFIT SOLUTIONS INC3 | 425 2ND ST SE, STE 1150 CEDAR RAPIDS, IA 52401 | WELLMARK HEALTH PLAN OF IOWA | -$15 | — | -$15 | — |
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 | 239 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 178 | $1.3M |
| Dental | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 150 | $97K |
| Life insurance(2 contracts) | UNION SECURITY INSURANCE COMPANY | 237 | $29K |
| Short-term disability(2 contracts) | UNION SECURITY INSURANCE COMPANY | 235 | $25K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 235 | $25K |
| Prescription drug(2 contracts, 2 carriers) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 178 | $1.3M |
| Other(3 contracts) | UNION SECURITY INSURANCE COMPANY | 237 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.