| 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 | $63K | — | $63K | 2.33% |
| 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 | 20.71% |
| VAN ENGELENHOVEN AGENCY INC3 Filed as: VAN ENGELENHOVEN AGENCY, INC. | 122 CENTRAL AVE SW ORANGE CITY, IA 510411433 | VISION SERVICE PLAN | $4K | — | $4K | 10.00% |
| NORM SNIEDER3 | 906 S MAIN AVE SIOUX CENTER, IA 512501224 | EMC NATIONAL LIFE | $1K | — | $1K | 8.00% |
| THE ACHIEVEMENT GROUP3 | 4515 FLUER DRIVE STE. 200 DES MOINES, IA 503212369 | EMC NATIONAL LIFE | $177 | — | $177 | 1.00% |
| GROUP RESOURCES OF IOWA5 | PO BOX 3440 SIOUX CITY, IA 51102 | GROUP RESOURCES OF IOWA DBA THREE RIVERS BENEFITS | $9K | $25K | $34K | — |
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 | 248 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 221 | $2.7M |
| Dental | WELLMARK, INC. | 221 | $171K |
| Vision | VISION SERVICE PLAN | 177 | $36K |
| Life insurance | EMC NATIONAL LIFE | 277 | $18K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 253 | $39K |
| Prescription drug | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 221 | $2.7M |
| Stop-loss / reinsurancereinsurance | GROUP RESOURCES OF IOWA DBA THREE RIVERS BENEFITS | 228 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 277 | — |
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.