| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NONE3 | — | KAISER FOUNDATION HEALTH PLAN, INC | $0 | — | $0 | 0.00% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA LIFE INSURANCE CO. | $51K | — | $51K | 11.84% |
| FRANK BERLIN & ASSOCIATES3 | 4949 WESTOWN PARKWAY, SUITE 200 WEST DES MOINES, IA 50266 | TRANSAMERICA LIFE INSURANCE CO. | $26K | — | $26K | 6.10% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA LIFE INSURANCE CO. | $17K | — | $17K | 4.01% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | STONEBRIDGE LIFE INSURANCE | $10K | — | $10K | 3.16% |
| FRANK BERLIN & ASSOCIATES3 | 4949 WESTOWN PARKWAY STE. 200 WEST DES MOINES, IA 50266 | STONEBRIDGE LIFE INSURANCE | $7K | — | $7K | 2.11% |
| FRANK BERLIN & ASSOCIATES3 | 4949 WESTOWN PKWY STE 200 WEST DES MOINES, IA 50266 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $4K | $6K | 3.57% |
| MARCIA S VETTER3 | 4949 WESTOWN PKWY STE 200 WEST DES MOINES, IA 50266 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $805 | $0 | $805 | 0.46% |
| FRANK BERLIN & ASSOCIATES3 | 4949 WESTOWN PARKWAY SUITE 200 WEST DES MOINES, IN 50266 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $33K | — | $33K | 20.75% |
| ALAN PAPE3 | 115 E PLATT ST. MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 2.01% |
| FRANK BERLIN & ASSOCIATES3 | 4949 WESTOWN PKWY STE 200 WEST DES MOINES, IA 50266 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $3K | $5K | 3.86% |
| MARCIA S VETTER3 | 4949 WESTOWN PKWY STE 200 WEST DES MOINES, IA 50266 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $234 | $0 | $234 | 0.18% |
| FRANK BERLIN & ASSOCIATES3 | 4949 WESTOWN PKWY STE. 200 WEST DES MOINES, IA 50266 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $369 | $448 | $817 | 4.02% |
| MARCIA S VETTER3 | 4949 WESTOWN PKWY STE. 200 WEST DES MOINES, IL 50266 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $37 | $0 | $37 | 0.18% |
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 | 1,070 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 179 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC | 454 | $1.6M |
| Life insurance | UNITED LIFE INSURANCE COMPANY | 1,043 | $789K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,070 | $174K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,070 | $134K |
| Prescription drug | STONEBRIDGE LIFE INSURANCE | 209 | $320K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,070 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,070 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.