| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 300 WALNUT ST STE 200 DES MOINES, IA 503092262 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $89 | $5K | 10.18% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 234662889 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $587 | $587 | 1.25% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 234662939 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2 | $2 | 0.00% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE VALHALLA, NY 10595 | DELTA DENTAL OF IOWA | $3K | — | $3K | 10.00% |
| BIEHN EDWARD C3 Filed as: BIEHN EILEEN M | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 4.99% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 300 WALNUT STREET SUITE 200 DES MOINES, IA 50309 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 4.42% |
| BIEHN EDWARD C3 | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $449 | — | $449 | 1.55% |
| PIKLAPP GREGORY K3 | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $254 | — | $254 | 0.88% |
| BIEHN EDWARD C3 Filed as: BIEHN DOUGLAS E | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $101 | — | $101 | 0.35% |
| SHANE MICHAEL E3 | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $88 | — | $88 | 0.30% |
| CRAIG PHILIP MICKELSON3 | 13177 CEDARWOOD AVE DES MOINES, IA 50325 | NORTHWESTERN MUTUAL | $3K | $664 | $3K | 17.49% |
| ERHARD FINANCIAL INC3 | 1245 JORDAN CREEK PKWY SUITE 200 WEST DES MOINES, IA 50266 | NORTHWESTERN MUTUAL | $527 | $63 | $590 | 3.13% |
| BIEHN EDWARD C3 Filed as: BIEHN EILEEN M | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 9.24% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 300 WALNUT STREET SUITE 200 DES MOINES, IA 50309 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $922 | — | $922 | 6.73% |
| BIEHN EDWARD C3 | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $229 | $0 | $229 | 1.67% |
| PIKLAPP GREGORY K3 | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $117 | — | $117 | 0.85% |
| USI INSURANCE SERVICES LLC3 | 300 WALNUT ST #200 DES MOINES, IA 503092262 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| BENEUSA LLC3 | PO BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $517 | $517 | 5.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $374 | $374 | 3.62% |
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 | 160 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 106 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 266 | 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 | 95 | $1.7M |
| Dental(2 contracts) | DELTA DENTAL OF IOWA | 95 | $36K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 266 | $47K |
| Long-term disability(2 contracts, 2 carriers) | NORTHWESTERN MUTUAL | 81 | $29K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 266 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.