| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MID-IOWA INSURANCE ASSOCIATES INC O3 Filed as: MID IOWA INSURANCE | 110 NORTH ILLINOIS STREET LAKE CITY, IA 51449 | QBE INSURANCE | — | $34K | $34K | 7.06% |
| RUHL AND RUHL3 | 700 PUTMAN BUILDING 215 NORTH MAIN ST DAVENPORT, IA 52801 | QBE INSURANCE | — | $34K | $34K | 7.05% |
| AUXIANT3 | 424 FIRST AVENUE NE CEDAR RAPIDS, IA 52401 | QBE INSURANCE | $22K | — | $22K | 4.43% |
| GLENDA GENTRY3 | MID-IOWA INSURANCE ASSOCIATES 110 NORTH ILLINOIS STREET LAKE CITY, IA 51449 | EMC NATIONAL LIFE | $5K | — | $5K | 10.00% |
| GLENDA GENTRY3 | MID-IOWA INSURANCE ASSOCIATES 110 NORTH ILLINOIS STREET LAKE CITY, ID 51449 | EMC NATIONAL LIFE | $4K | — | $4K | 7.53% |
| GLENDA GENTRY3 | 110 NORTH ILLINOIS LAKE CITY, IA 51453 | DEARBORN NATIONAL | $3K | — | $3K | 10.04% |
| WELLMARK INC3 Filed as: WELLMARK ATTN ANCILLARY MARKETING | POST OFFICE BOX 10481 DES MOINES, IA 50306 | DEARBORN NATIONAL | $2K | — | $2K | 5.02% |
| MID-IOWA INSURANCE ASSOCIATES INC O3 Filed as: MID IOWA INSURANCE/GLENDA GENTRY | 110 NORTH ILLINOIS STREET LAKE CITY, IA 51449 | VISION CARE DIRECT | $2K | — | $2K | 10.00% |
| MID-IOWA INSURANCE ASSOCIATES INC O3 Filed as: MID IOWA INSURANCE ASSOC INC | 110 NORTH ILLINOIS STREET LAKE CITY, IA 51449 | PRINCIPAL LIFE INSURANCE COMPANY | $217 | — | $217 | 10.00% |
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 | 218 | 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) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DEARBORN NATIONAL | 72 | $31K |
| Vision | VISION CARE DIRECT | 111 | $18K |
| Life insurance(2 contracts, 2 carriers) | EMC NATIONAL LIFE | 204 | $53K |
| Long-term disability | EMC NATIONAL LIFE | 44 | $55K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 129 | $487K |
| Other(3 contracts, 3 carriers) | EMC NATIONAL LIFE | 260 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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.
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.