| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PARTNERS HEALTH INSURANCE3 Filed as: PARTNERS HEALTH INSURANCE LLC | 122 CENTRAL AVE SE ORANGE CITY, IA 51041 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $39K | — | $39K | 1.63% |
| PARTNERS HEALTH INSURANCE3 Filed as: PARTNERS HEALTH INSURANCE LLC | 122 CENTRAL AVE SW ORANGE CITY, IA 51041 | WELLMARK, INC. | $8K | — | $8K | 4.80% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 100162303 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $4K | $8K | 19.86% |
| VAN ENGELENHOVEN AGENCY INC3 Filed as: VAN ENGELENHOVEN AGENCY, INC. | 122 CENTRAL AVE SW ORANGE CITY, IA 510411433 | VISION SERVICE PLAN | $3K | — | $3K | 10.00% |
| GROUP RESOURCES OF IOWA5 | PO BOX 3440 SIOUX CITY, IA 51102 | GROUP RESOURCES OF IOWA DBA THREE RIVERS BENEFITS | $9K | $24K | $33K | — |
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 | 214 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 216 | $2.4M |
| Dental | WELLMARK, INC. | 219 | $164K |
| Vision | VISION SERVICE PLAN | 170 | $34K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 253 | $39K |
| Prescription drug | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 216 | $2.4M |
| Stop-loss / reinsurancereinsurance | GROUP RESOURCES OF IOWA DBA THREE RIVERS BENEFITS | 222 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.