| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS | 4200 UNIVERSITY AVE. #200 WEST DES MOINES, IA 50266 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $46K | — | $46K | 4.81% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 10 NORTH PARK DR #200 HUNT VALLEDY, MD 21030 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 0.54% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 10 NORTH PARK DR #200 HUNT VALEY, MD 21030 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 0.68% |
| GROUP BENEFIT PARTNERS LLC3 | PO BOX 8115 WESTCHESTER, IL 60154 | ASSURITY LIFE INSURANCE COMPANY | $92K | — | $92K | 38.23% |
| SELECT NETWORKS5 | 317 6TH AVE., SUITE 1040 DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $16K | — | $16K | 10.15% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS, LLC | 4200 UNIVERSITY AVENUE, STE. 200 WEST DES MOINES, IA 50266 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $15K | — | $15K | 9.23% |
| BRADLEY L WALKER4 | 1216 N 3RD AVE WASHINGTON, IA 52353 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $5K | — | $5K | 8.50% |
| WILLIAM J WALKER4 | 3215 WAYLAND RD WAYLAND, IA 52654 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $5K | — | $5K | 8.50% |
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 | 4,068 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 45 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 2,702 | $160K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,096 | $952K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,096 | $499K |
| Other(4 contracts, 4 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,096 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,096 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.