| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT STAFF LLC3 | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | — | $18K | 12.94% |
| BENEFIT STAFF LLC3 Filed as: BENEFIT STAFF | — | FIDELITY SECURITY LIFE | $10K | — | $10K | 10.00% |
| BRAD BIEL3 Filed as: BRAD JOHNSON | 2550 MIDDLE RD., STE. 205 BETTENDORF, IA 527223287 | VISION SERVICE PLAN | $2K | — | $2K | 2.83% |
| MATTHEW REDNOUR3 Filed as: MATTHEW S REDNOUR | 2550 MIDDLE RD. #300 BETTENDORF, IA 52722 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 10.50% |
| GARY WOOD ASSOCIATES, INC.3 Filed as: GARY WARE & ASSOCIATES INC | 3808 W. SPRINGFIELD AVE, STE D CHAMPAIGN, IL 61822 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| BENEFIT STAFF LLC3 | 2550 MIDDLE ROAD, SUITE 205 BETTENDORF, IA 52722 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.50% |
| REDNOUR LLC3 | 2550 MIDDLE RD #300 BETTENDORF, IA 52722 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 13.38% |
| GARY WARE & ASSOC INC3 | 3808 W SPRINGFIELD AVE STE #D CHAMPAIGN, IL 61822 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 8.31% |
| BENEFIT STAFF LLC3 | 2550 MIDDLE ROAD STE #205 BETTENDORF, IA 52722 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.44% |
| BRADDEN PORBST3 | 3808 W SPRINGFIELD AVE STE #D CHAMPAIGN, IL 61822 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $856 | — | $856 | 1.53% |
| MATTHEW REDNOUR3 | 2550 MIDDLE RD #300 BETTENDORF, IA 52722 | ASSURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 10.44% |
| GARY WOOD ASSOCIATES, INC.3 Filed as: GARY WARE GROUP, INC. | 3808 W SPRINGFIELD AVE STE D CHAMPAIGN, IL 61822 | ASSURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 5.78% |
| BENEFIT STAFF LLC3 Filed as: BENEFIT STAFF | 2550 MIDDLE ROAD BETTENDORF, IA 52722 | ASSURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 2.60% |
| REDNOUR LLC3 | 2550 MIDDLE RD #300 BETTENDORF, IA 52722 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 14.02% |
| GARY WARE & ASSOC INC3 | 3808 W SPRINGFIELD AVE STE #D CHAMPAIGN, IL 61822 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 9.27% |
| BENEFIT STAFF LLC3 | 2550 MIDDLE ROAD STE 205 BETTENDORF, IA 52722 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.82% |
| BRADDEN PORBST3 | 3808 W SPRINGFIELD AVE STE #D CHAMPAIGN, IL 61822 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $550 | — | $550 | 1.55% |
| BENEFIT STAFF LLC3 | 2550 MIDDLE ROAD, SUITE 205 BETTENDORF, IA 52722 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 11.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLIED BENEFIT SYSTEMS, INC. EIN 36-3086057 TPA | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | — | $119K |
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 | 375 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 377 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS & BLUE SHIELD OF IOWA | 375 | $2.6M |
| Dental | DELTA DENTAL OF IOWA | 705 | $237K |
| Vision | VISION SERVICE PLAN | 660 | $69K |
| Life insurance(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 486 | $288K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 199 | $32K |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE COPRORATION | 267 | $130K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 550 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 705 | — |
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.