| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REYNOLDS & REYNOLDS INC3 | 300 WALNUT ST, STE 200 DES MOINES, IA 503092262 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 11.04% |
| REYNOLDS & REYNOLDS INC3 | 300 WALNUT ST, STE 200 DES MOINES, IA 50309 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 3.90% |
| BIEHN EDWARD C3 Filed as: BIEHN, EILEEN M | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 3.85% |
| PIKLAPP GREGORY K3 Filed as: PIKLAPP, GREGORY K | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $529 | — | $529 | 1.15% |
| BIEHN EDWARD C3 Filed as: BIEHN, EDWARD C | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $405 | — | $405 | 0.88% |
| JACOBSON, JEREMY A3 | 1009 11TH ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $212 | — | $212 | 0.46% |
| BIEHN EDWARD C3 Filed as: BIEHN, DOUGLAS E | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $165 | — | $165 | 0.36% |
| SHANE MICHAEL E3 Filed as: SHANE, MICHAEL E | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $151 | — | $151 | 0.33% |
| REYNOLDS & REYNOLDS INC3 | 300 WALNUT ST, STE 200 DES MOINES, IA 503092262 | DELTA DENTAL OF IOWA | $4K | — | $4K | 10.65% |
| CRAIG PHILIP MICKELSON3 | 13177 CEDARWOOD AVE DES MOINES, IA 50325 | NORTHWESTERN MUTUAL | $3K | $724 | $4K | 15.75% |
| ERHARD FINANCIAL INC3 | 1245 JORDAN CREEK PKWY, STE 200 WEST DES MOINES, IA 50266 | NORTHWESTERN MUTUAL | $575 | $69 | $644 | 2.82% |
| BIEHN EDWARD C3 Filed as: BIEHN, EILEEN M | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $790 | — | $790 | 4.45% |
| REYNOLDS & REYNOLDS INC3 | 300 WALNUT ST, STE 200 DES MOINES, IA 50309 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $685 | — | $685 | 3.86% |
| PIKLAPP GREGORY K3 Filed as: PIKLAPP, GREGORY K | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $194 | — | $194 | 1.09% |
| BIEHN EDWARD C3 Filed as: BIEHN, EDWARD C | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $154 | — | $154 | 0.87% |
| JACOBSON, JEREMY A3 | 1009 11TH ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $109 | — | $109 | 0.61% |
| REYNOLDS & REYNOLDS INC3 | 300 WALNUT ST, STE 200 DES MOINES, IA 503092262 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $637 | $2K | 16.34% |
| BENEUSA LLC3 | 1851 LAKE DR W STE 350 CHANHASSEN, MN 55317 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $503 | $503 | 5.00% |
| BIEHN EDWARD C3 Filed as: BIEHN, EILEEN M | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $84 | — | $84 | 4.43% |
| REYNOLDS & REYNOLDS INC3 | 300 WALNUT ST, STE 200 DES MOINES, IA 50309 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $51 | — | $51 | 2.69% |
| BIEHN EDWARD C3 Filed as: BIEHN, EDWARD C | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.58% |
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 | 162 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 113 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 275 | 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 | 293 | $1.8M |
| Dental(2 contracts) | DELTA DENTAL OF IOWA | 94 | $40K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 250 | $53K |
| Long-term disability(2 contracts, 2 carriers) | NORTHWESTERN MUTUAL | 77 | $33K |
| Other(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 250 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 293 | — |
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.