| 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 | $5K | $0 | $5K | 4.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4280 SERGEANT ROAD, SUITE 200 SIOUX CITY, IA 51106 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $539 | $5K | 13.63% |
| BRANDON M. DRAEGER3 | 649 COUNTY ROAD 2500 CRETE, NE 68333 | AFLAC | $599 | $0 | $599 | 2.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4280 SERGEANT ROAD, SUITE 200 SIOUX CITY, IA 51106 | AFLAC | $596 | $0 | $596 | 2.67% |
| JULIE A MANN3 Filed as: JULIE A. MANN | 5001 SERGEANT ROAD, SUITE 50 SIOUX CITY, IA 51106 | AFLAC | $581 | $0 | $581 | 2.60% |
| JAMIE A. SPANGLER3 Filed as: JAMIE SPANGLER, INC. | 618 PLYMOUTH STREET SE LE MARS, IA 51031 | AFLAC | $513 | $0 | $513 | 2.30% |
| THE WICHMANN GROUP INC3 Filed as: THE WICHMANN GROUP AND OTHER AGENTS | 8206 EVERGREEN ROAD KEARNEY, NE 68845 | AFLAC | $483 | $0 | $483 | 2.16% |
| JAMIE A. SPANGLER3 | 618 PLYMOUTH STREET SE LE MARS, IA 51031 | AFLAC | $310 | $0 | $310 | 1.39% |
| STEVEN L. VONK3 | 1602 10TH STREET ROCK VALLEY, IA 51247 | AFLAC | $235 | $0 | $235 | 1.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1 WEST 4TH STREET, SUITE 1300 CINCINNATI, OH 45202 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| WELLMARK INC3 Filed as: WELLMARK, INC. | 1331 GRAND AVENUE DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $100 | $0 | $100 | 0.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4280 SERGEANT ROAD, SUITE 200 SIOUX CITY, IA 51106 | EMPLOYEE & FAMILY RESOURCES, INC. | $216 | $0 | $216 | 5.00% |
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 | 227 | 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) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF IOWA | 176 | $129K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 376 | $22K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 227 | $37K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 227 | $37K |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 227 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 376 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.