| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | DELTA DENTAL OF IOWA | $6K | $2K | $8K | 6.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4280 SERGEANT ROAD, SUITE 200 SIOUX CITY, IA 51106 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $830 | $5K | 13.59% |
| BRANDON M. DRAEGER3 | 649 COUNTY ROAD 2500 CRETE, NE 68333 | AFLAC | $405 | $0 | $405 | 2.42% |
| WILLIS TOWERS WATSON US LLC3 Filed as: CHRISTIE A. WILLIS | 1402 POND REEF ROAD KETCHIKAN, AK 99901 | AFLAC | $332 | $0 | $332 | 1.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4280 SERGEANT ROAD, SUITE 200 SIOUX CITY, IA 51106 | AFLAC | $256 | $0 | $256 | 1.53% |
| JAMIE A. SPANGLER3 Filed as: JAMIE SPANGLER, INC. | 618 PLYMOUTH STREET SE LE MARS, IA 51031 | AFLAC | $204 | $0 | $204 | 1.22% |
| JULIE A MANN3 Filed as: JULIE A. MANN | 5001 SERGEANT ROAD, SUITE 50 SIOUX CITY, IA 51106 | AFLAC | $191 | $0 | $191 | 1.14% |
| STEVEN L. VONK3 | 1602 10TH STREET ROCK VALLEY, IA 51247 | AFLAC | $69 | $0 | $69 | 0.41% |
| JAMIE A. SPANGLER3 | 618 PLYMOUTH STREET SE LE MARS, IA 51031 | AFLAC | $61 | $0 | $61 | 0.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 106 EAST 12TH STREET BENTON, KY 42025 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.01% |
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 | 243 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF IOWA | 179 | $128K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 375 | $16K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 249 | $40K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 249 | $40K |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 249 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 375 | — |
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.