| 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 | $3K | — | $3K | 6.67% |
| USI INSURANCE SERVICES LLC3 | 300 WALNUT ST, STE 200 DES MOINES, IA 503092262 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $57 | $2K | 3.47% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 234662889 | METROPOLITAN LIFE INSURANCE COMPANY | — | $99 | $99 | 0.20% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 234662817 | METROPOLITAN LIFE INSURANCE COMPANY | — | $51 | $51 | 0.11% |
| REYNOLDS & REYNOLDS INC3 | 300 WALNUT, STE 200 DES MOINES, IA 503092262 | DELTA DENTAL OF IOWA | $2K | — | $2K | 6.84% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE VALHALLA, NY 10595 | DELTA DENTAL OF IOWA | $1K | — | $1K | 3.26% |
| BIEHN EDWARD C3 Filed as: BIEHN, EILEEN M | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 3.86% |
| REYNOLDS & REYNOLDS INC3 | 300 WALNUT ST, STE 200 DES MOINES, IA 50309 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 3.85% |
| BIEHN EDWARD C3 Filed as: BIEHN, EDWARD C | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $310 | — | $310 | 1.03% |
| PIKLAPP GREGORY K3 Filed as: PIKLAPP, GREGORY K | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $288 | — | $288 | 0.96% |
| JACOBSEN, JEREMY A3 | 1009 11TH ST BOONE, IA 500362235 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $132 | — | $132 | 0.44% |
| BIEHN EDWARD C3 Filed as: BIEHN, DOUGLAS E | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $118 | — | $118 | 0.39% |
| SHANE MICHAEL E3 Filed as: SHANE, MICHAEL E | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $106 | — | $106 | 0.35% |
| CRAIG PHILIP MICKELSON3 | 13177 CEDARWOOD AVE DES MOINES, IA 50325 | NORTHWESTERN MUTUAL | $3K | $672 | $3K | 17.53% |
| ERHARD FINANCIAL INC3 | 1245 JORDAN CREEK PKWY, STE 200 WEST DES MOINES, IA 50266 | NORTHWESTERN MUTUAL | $533 | $64 | $597 | 3.14% |
| BIEHN EDWARD C3 Filed as: BIEHN, EILEEN M | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 7.58% |
| REYNOLDS & REYNOLDS INC3 | 300 WALNUT ST, STE 200 DES MOINES, IA 50309 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $918 | — | $918 | 5.76% |
| BIEHN EDWARD C3 Filed as: BIEHN, EDWARD C | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $188 | — | $188 | 1.18% |
| PIKLAPP GREGORY K3 Filed as: PIKLAPP, GREGORY K | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $152 | — | $152 | 0.95% |
| JACOBSEN, JEREMY A3 | 1009 11TH ST BOONE, IA 500362235 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $73 | — | $73 | 0.46% |
| REYNOLDS & REYNOLDS INC3 | 300 WALNUT ST, STE 200 DES MOINES, IA 503092262 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $512 | $43 | $555 | 5.92% |
| BENEUSA LLC3 | PO BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $469 | $469 | 5.00% |
| USI INSURANCE SERVICES LLC3 | 300 WALNUT ST, STE 200 DES MOINES, IA 503092262 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $426 | $0 | $426 | 4.54% |
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 | 159 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 104 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 263 | 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 | 98 | $1.7M |
| Dental(2 contracts) | DELTA DENTAL OF IOWA | 92 | $35K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 243 | $48K |
| Long-term disability(2 contracts, 2 carriers) | NORTHWESTERN MUTUAL | 78 | $28K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 243 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.