| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS GREAT PLAINS LLC | 914 AVENUE G FORT MADISON, IA 52627 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $7K | $17K | 17.20% |
| BHERD3 Filed as: BHERD LLC | 1956 PARK AVENUE DES MOINES, IA 50315 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $1K | $6K | 6.05% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS GREAT PLAINS LLC | 914 AVENUE G FORT MADISON, IA 52627 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $3K | $6K | 17.02% |
| BHERD3 Filed as: BHERD LLC | 1956 PARK AVENUE DES MOINES, IA 50315 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $379 | $2K | 6.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHPARTNERS INSURANCE COMPANY EIN 41-1693838 THIRD PARTY ADMINISTRATOR | Claims processing Service code 12 | 8170 33RD AVE SOUTH BLOOMINGTON, MN 55425 | $7K |
| ADVANTAGE ADMINISTRATORS EIN 42-1294349 THIRD PARTY ADMINISTRATOR | Claims processing Service code 12 | PO BOX 118 WAVERLY, IA 50677 | $4K |
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 | 319 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 331 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS UNITYPOINT HEALTH | 247 | $2.3M |
| Dental | DELTA DENTAL OF IOWA | 300 | $0 |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 168 | $39K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 319 | $98K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 319 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 319 | — |
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.