| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS & REYNOLDS, INC. | THE PLAZA, STE 200 DES MOINES, IA 50309 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $6K | — | $6K | 2.08% |
| EILEEN M BIEHN3 Filed as: EILEEN M. BIEHN | 1516 S. MARSHALL ST. BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 5.56% |
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS & REYNOLDS, INC. | 300 WALNUT STREET SUITE 200 DES MOINES, IA 50309 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 5.12% |
| GREGORY K PIKLAPP3 Filed as: GREGORY K. PIKLAPP | 1516 S. MARSHALL STREET BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 1.43% |
| EDWARD C BIEHN3 Filed as: EDWARD BIEHN | 1516 S. MARSHALL ST. BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $895 | — | $895 | 0.98% |
| JEREMY A. JACOBSEN3 | 1009 11TH ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $495 | — | $495 | 0.54% |
| DOUGLAS E BIEHN3 Filed as: DOUGLAS E. BIEHN | 1516 S. MARSHALL ST. BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $235 | — | $235 | 0.26% |
| MICHAEL E SHANE3 Filed as: MICHAEL E. SHANE | 1516 S. MARSHALL ST. BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $220 | — | $220 | 0.24% |
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS & REYNOLDS, INC. | 300 WALNUT ST. SUITE 200 DES MOINES, IA 503092262 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 10.02% |
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS & REYNOLDS, INC. | 300 WALNUT STREET SUITE 200 DES MOINES, IA 50309 | DELTA DENTAL OF IOWA | $5K | — | $5K | 7.99% |
| CRAIG PHILIP MICKELSON3 | 13177 CEDARWOOD AVE DES MOINES, IA 50325 | NORTHWESTERN MUTUAL | $3K | $787 | $4K | 16.47% |
| ERHARD FINANCIAL INC3 Filed as: ERHARD FINANCIAL INC. | 1245 JORDAN CREEK PKWY, SUITE 200 WEST DES MOINES, IA 50266 | NORTHWESTERN MUTUAL | $625 | $75 | $700 | 2.95% |
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS & REYNOLDS, INC. | 300 WALNUT STREET SUITE 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $504 | $2K | 14.05% |
| BENEUSA LLC3 | 1851 LAKE DRIVE WEST #350 CHANHASSEN, MN 55317 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $622 | $622 | 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 | 201 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 107 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 308 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 303 | $2.2M |
| Dental | DELTA DENTAL OF IOWA | 136 | $58K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 275 | $59K |
| Long-term disability(2 contracts, 2 carriers) | NORTHWESTERN MUTUAL | 104 | $36K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 275 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 303 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.