| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DR N STE 300 MINNEAPOLIS, MN 55428 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $29K | — | $29K | 0.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 7225 NORTHLAND DR N STE 300 MINNEAPOLIS, MN 554281575 | RELIASTAR LIFE INSURANCE COMPANY | $79K | — | $79K | 6.57% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLANDO, FL 328013277 | RELIASTAR LIFE INSURANCE COMPANY | — | $20K | $20K | 1.64% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA LIFE INSURANCE CO. | $50K | — | $50K | 12.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | 7225 NORTHLAND DRIVE NORTH SUITE 300 MINNEAPOLIS, MN 55248 | TRANSAMERICA LIFE INSURANCE CO. | $25K | — | $25K | 6.10% |
| WEB TPA3 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA LIFE INSURANCE CO. | $16K | — | $16K | 3.79% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | EXPRESS SCRIPTS, INC. | $26K | — | $26K | 7.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC | 7225 NORTHLAND DRIVE NORTH SUITE 300 MINNEAPOLIS, MN 55248 | EXPRESS SCRIPTS, INC. | $8K | — | $8K | 2.33% |
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 | 924 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 955 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 895 | $11.7M |
| Dental | DELTA DENTAL OF IOWA | 1,111 | $0 |
| Vision | VISION SERVICE PLAN | 951 | $0 |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 1,462 | $1.2M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,462 | $1.2M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,462 | $1.2M |
| Prescription drug | EXPRESS SCRIPTS, INC. | 187 | $337K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 1,462 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,462 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.