| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MID-IOWA INSURANCE ASSOCIATES INC O3 | 110 NORTH ILLINOIS STREET LAKE CITY, IA 51449 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 3.45% |
| MID-IOWA INSURANCE ASSOCIATES INC O3 Filed as: MID-IOWA INS ASSOCIATES INC OF LAKE | 110 NORTH ILLINOIS STREET LAKE CITY, IA 51449 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 2.95% |
| MID-IOWA INSURANCE ASSOCIATES INC O3 | 110 NORTH ILLINOIS STREET LAKE CITY, IA 51449 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 7.08% |
| MID-IOWA INSURANCE ASSOCIATES INC O3 | 110 NORTH ILLINOIS STREET LAKE CITY, IA 51449 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 5.60% |
| SELECT NETWORKS3 | 317 6TH AVENUE SUITE 1040 DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 11.82% |
| MID-IOWA INSURANCE ASSOCIATES INC O3 Filed as: MID IOWA INSURANCE | 110 NORTH ILLINOIS LAKE CITY, IA 51449 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.74% |
| MID-IOWA INSURANCE ASSOCIATES INC O3 | 110 NORTH ILLINOIS STREET LAKE CITY, IA 51449 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| MID-IOWA INSURANCE ASSOCIATES INC O3 | 110 NORTH ILLINOIS STREET LAKE CITY, IA 51449 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| MID-IOWA INSURANCE ASSOCIATES INC O3 Filed as: MID IOWA INSURANCE ASSOCIATES INC O | 110 NORTH ILLINOIS STREET LAKE CITY, IA 51449 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
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 | 217 | 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) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 244 | $83K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 96 | $23K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 217 | $55K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 209 | $131K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 209 | $66K |
| Other(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 217 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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.