| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 100 SUMMIT LAKE DRIVE STE 400 VALHALLA, NY 10595 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $4K | $0 | $4K | 0.41% |
| USI INSURANCE SERVICES LLC3 | 300 WALNUT ST STE 200 DES MOINES, IA 503092262 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $63 | $5K | 9.99% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 234662889 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $47 | $47 | 0.09% |
| BIEHN EDWARD C3 Filed as: BIEHN EILEEN M | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 16.62% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES - DES MOINES | 300 WALNUT SUITE 200 DES MOINES, IA 50309 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 9.50% |
| 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 | 2.51% |
| BIEHN EDWARD C3 | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $614 | — | $614 | 1.49% |
| PIKLAPP GREGORY K3 | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $157 | — | $157 | 0.38% |
| BIEHN EDWARD C3 Filed as: BIEHN DOUGLAS E | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $79 | — | $79 | 0.19% |
| SHANE MICHAEL E3 | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $75 | — | $75 | 0.18% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE VALHALLA, NY 10595 | DELTA DENTAL OF IOWA | $4K | $0 | $4K | 9.83% |
| BIEHN EDWARD C3 Filed as: BIEHN EILEEN M | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 20.43% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES-DES MOINES | 300 WALNUT SUITE 200 DES MOINES, IA 50309 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 12.62% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 300 WALNUT STREET SUITE 200 DES MOINES, IA 50309 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $423 | — | $423 | 1.71% |
| BIEHN EDWARD C3 | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $348 | — | $348 | 1.41% |
| PIKLAPP GREGORY K3 | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $40 | — | $40 | 0.16% |
| CRAIG PHILIP MICKELSON3 | 13177 CEDARWOOD AVE DES MOINES, IA 50325 | NORTHWESTERN MUTUAL | $3K | $640 | $3K | 17.80% |
| BYRN FINANCIAL LLC3 | 1245 JORDAN CREEK PKWY SUITE 200 W DES MOINES, IA 50266 | NORTHWESTERN MUTUAL | $448 | $54 | $502 | 2.81% |
| BYRN FINANCIAL LLC3 | 1245 JORDAN CREEK PKWY SUITE 200 W DES MOINES, IA 50266 | NORTHWESTERN MUTUAL | $60 | $7 | $67 | 0.38% |
| USI INSURANCE SERVICES LLC3 | 300 WALNUT ST #200 DES MOINES, IA 50309 | 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 | $547 | $547 | 5.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $440 | $440 | 4.02% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 234662817 | VISION SERVICE PLAN | $1K | $0 | $1K | 10.00% |
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 | 176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 98 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 274 | 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 | 91 | $1.8M |
| Dental(2 contracts) | DELTA DENTAL OF IOWA | 107 | $40K |
| Vision | VISION SERVICE PLAN | 69 | $10K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 329 | $53K |
| Long-term disability(2 contracts, 2 carriers) | NORTHWESTERN MUTUAL | 90 | $29K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 329 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 329 | — |
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.