| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE SUITE 400 VALHALLA, NY 10595 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $3K | — | $3K | 0.29% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 100 SUMMIT LAKE DRIVE SUITE 400 VALHALLA, NY 10595 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $585 | — | $585 | 0.05% |
| USI INSURANCE SERVICES LLC3 | 300 WALNUT ST STE 200 DES MOINES, IA 50309 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $81 | $6K | 10.08% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.28% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC (R&R) | 100 SUMMIT LAKE DRIVE VALHALLA, NY 10595 | DELTA DENTAL OF IOWA | $4K | $0 | $4K | 9.98% |
| BIEHN EDWARD C3 Filed as: BIEHN EILEEN M | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 6.20% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES-DES MOINES | 300 WALNUT ST SUITE 200 DES MOINES, IA 50309 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $975 | — | $975 | 2.50% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 300 WALNUT STREET SUITE 200 DES MOINES, IA 50309 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $913 | — | $913 | 2.34% |
| BIEHN EDWARD C3 | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $476 | — | $476 | 1.22% |
| PIKLAPP GREGORY K3 | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $118 | — | $118 | 0.30% |
| BIEHN EDWARD C3 Filed as: BIEHN DOUGLAS E | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $74 | $0 | $74 | 0.19% |
| SHANE MICHAEL E3 | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $70 | — | $70 | 0.18% |
| BIEHN EDWARD C3 Filed as: BIEHN EILEEN M | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 8.56% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES-DES MOINES | 300 WALNUT ST SUITE 200 DES MOINES, IA 50309 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $989 | — | $989 | 4.92% |
| USI INSURANCE SERVICES LLC3 | 300 WALNUT ST SUITE 200 DES MOINES, IA 50309 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $275 | — | $275 | 1.37% |
| BIEHN EDWARD C3 | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $261 | — | $261 | 1.30% |
| PIKLAPP GREGORY K3 | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| CRAIG PHILIP MICKELSON3 | 13177 CEDARWOOD AVE DES MOINES, IA 50325 | NORTHWESTERN MUTUAL | $2K | $623 | $3K | 19.65% |
| BYRN FINANCIAL LLC3 | 1245 JORDAN CREEK PKWY SUITE 200 WEST DES MOINES, IA 50266 | NORTHWESTERN MUTUAL | $494 | $59 | $553 | 3.51% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 234662817 | VISION SERVICE PLAN | $1K | — | $1K | 10.00% |
| 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 | $565 | $565 | 5.01% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $430 | $430 | 3.81% |
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 | 169 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 99 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 268 | 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 | 92 | $1.9M |
| Dental(2 contracts) | DELTA DENTAL OF IOWA | 107 | $44K |
| Vision | VISION SERVICE PLAN | 83 | $14K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 332 | $61K |
| Long-term disability(2 contracts, 2 carriers) | NORTHWESTERN MUTUAL | 91 | $27K |
| Other(2 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 72 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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.