| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | DELTA DENTAL OF IOWA | $4K | $258 | $4K | 5.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10050 REGENCY CIRCLE, SUITE 300 OMAHA, NE 68114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 4.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $646 | $646 | 1.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1 WEST 4TH STREET, SUITE 1300 CINCINNATI, OH 45202 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.92% |
| WELLMARK INC3 Filed as: WELLMARK, INC. | 1331 GRAND AVENUE 3W357 DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $52 | $0 | $52 | 0.47% |
| SELECT NETWORKS3 | 317 6TH AVENUE, SUITE 1440 DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $27 | $0 | $27 | 0.24% |
| SETH VIS3 | 3256 JEFFERSON AVENUE BOYDEN, IA 51234 | AFLAC | $45 | $0 | $45 | 3.77% |
| MJ INSURANCE3 Filed as: CAROL L. PLATT AND VARIOUS AGENTS | 606 7TH STREET SPIRIT LAKE, IA 51360 | AFLAC | $30 | $0 | $30 | 2.51% |
| GERRIT J VIS3 Filed as: GERRIT J. VIS | 1435 MAIN STREET ROCK VALLEY, IA 51247 | AFLAC | $16 | $0 | $16 | 1.34% |
| STEVEN L. VONK3 | 1602 10TH STREET ROCK VALLEY, IA 51247 | AFLAC | $14 | $0 | $14 | 1.17% |
| DAVID R HOPKINS3 Filed as: DAVID R. HOPKINS | PO BOX 555 SPIRIT LAKE, IA 51360 | AFLAC | $14 | $0 | $14 | 1.17% |
| VAN ENGELENHOVEN AGENCY INC3 Filed as: VAN ENGELENHOVEN AGENCY, INC. | 122 CENTRAL AVENUE SW ORANGE CITY, IA 51041 | AFLAC | $9 | $0 | $9 | 0.75% |
| JANE W BARNHILL3 Filed as: JANE M. POTTEBAUM | 19258 HAWTHORNE AVENUE CARROLL, IA 51401 | AFLAC | $6 | $0 | $6 | 0.50% |
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 | 385 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 398 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF IOWA | 81 | $81K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 220 | $11K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 385 | $50K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 385 | $50K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 385 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 385 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.