| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH RISK PARTNERS LLC3 | 1776 W LAKES PKWY WEST DES MOINES, IA 50266 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | -$67 | — | -$67 | -0.01% |
| NORTH RISK PARTNERS LLC3 | 1776 W LAKES PKWY WEST DES MOINES, IA 50266 | WELLMARK INC. | $0 | — | $0 | 0.00% |
| TODD BURKE3 Filed as: TODD, WESLEY J | — | ASSURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 14.50% |
| BUDKE, JOSHUA R3 | — | ASSURITY LIFE INSURANCE COMPANY | $526 | — | $526 | 1.67% |
| FIACH INC.3 | 20 E. STATE ST. MASON CITY, IA 50401 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 12.98% |
| NORTH RISK PARTNERS LLC3 | 10405 6TH AVENUE, NORTH SUITE 300 PLYMOUTH, MN 55441 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| TODD BURKE3 Filed as: TODD, WESLEY J | — | ASSURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 11.45% |
| BUDKE, JOSHUA R3 | — | ASSURITY LIFE INSURANCE COMPANY | $42 | — | $42 | 0.33% |
| THE TODD GROUP3 Filed as: TODD WESLEY | 100 E 2ND ST STE 205 CEDAR FALLS, IA 50613 | KC LIFE | $1K | — | $1K | 10.91% |
| THE ACCEL GROUP LLC3 Filed as: ACCEL HOLDINGS INC. | — | ASSURITY LIFE INSURANCE COMPANY | $187 | — | $187 | 8.01% |
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 | 111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 81 | $1.1M |
| Dental | WELLMARK INC. | 82 | $39K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 212 | $19K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 111 | $31K |
| Short-term disability | KC LIFE | 64 | $11K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 111 | $31K |
| Other(4 contracts, 2 carriers) | ASSURITY LIFE INSURANCE COMPANY | 222 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.