| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS & REYNOLDS, INC. | 300 WALNUT STREET SUITE 200 DES MOINES, IA 50309 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 6.73% |
| EILEEN M BIEHN3 Filed as: EILEEN M. BIEHN | 1516 S. MARSHALL ST. BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 6.25% |
| GREGORY K PIKLAPP3 Filed as: GREGORY K. PIKLAPP | 1516 S. MARSHALL STREET BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 2.98% |
| EDWARD C BIEHN3 Filed as: EDWARD BIEHN | 1516 S. MARSHALL ST. BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $944 | — | $944 | 1.20% |
| JEREMY A. JACOBSEN3 | 1009 11TH ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $486 | — | $486 | 0.62% |
| DOUGLAS E BIEHN3 Filed as: DOUGLAS E. BIEHN | 1516 S. MARSHALL ST. BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $261 | — | $261 | 0.33% |
| MICHAEL E SHANE3 Filed as: MICHAEL E. SHANE | 1516 S. MARSHALL ST. BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $248 | — | $248 | 0.32% |
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS & REYNOLDS, INC. | 300 WALNUT STREET SUITE 200 DES MOINES, IA 50309 | DELTA DENTAL OF IOWA | $5K | — | $5K | 8.51% |
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS & REYNOLDS, INC. | 300 WALNUT ST. SUITE 200 DES MOINES, IA 503092262 | METROPOLITAN LIFE INSURANCE COMPANY | — | $161 | $161 | 0.27% |
| CRAIG PHILIP MICKELSON3 | 1245 JORDAN CREEK PKWY, SUITE 200 WEST DES MOINES, IA 50266 | NORTHWESTERN MUTUAL | $3K | $638 | $3K | 14.79% |
| KEITH ALLEN ERHARD3 | 1245 JORDAN CREEK PKWY, SUITE 200 WEST DES MOINES, IA 50266 | NORTHWESTERN MUTUAL | $488 | $43 | $531 | 2.34% |
| ERHARD FINANCIAL INC3 Filed as: ERHARD FINANCIAL INC. | 1245 JORDAN CREEK PKWY, SUITE 200 WEST DES MOINES, IA 50266 | NORTHWESTERN MUTUAL | $116 | $14 | $130 | 0.57% |
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS & REYNOLDS, INC. | 300 WALNUT STREET SUITE 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $494 | $2K | 14.63% |
| BENEUSA LLC3 | 1851 LAKE DRIVE WEST #350 CHANHASSEN, MN 55317 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $533 | $533 | 5.00% |
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 | 213 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 102 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 315 | 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 | 237 | $2.5M |
| Dental | DELTA DENTAL OF IOWA | 138 | $61K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 275 | $59K |
| Long-term disability(2 contracts, 2 carriers) | NORTHWESTERN MUTUAL | 103 | $33K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 275 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 275 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.