| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS & REYNOLDS INC. | 300 WALNUT SUITE 200 DES MOINES, IA 50309 | WELLMARK HEALTH PLAN OF IOWA | $36K | — | $36K | 3.59% |
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS & REYNOLDS INC. | 300 WALNUT SUITE 200 DES MOINES, IA 50309 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $8K | — | $8K | 4.14% |
| REYNOLDS & REYNOLDS INC3 | 300 WALNUT SUITE 200 DES MOINES, IA 50309 | DELTA DENTAL OF IOWA | $5K | $1K | $6K | 6.13% |
| DAVID A FINI3 | 5535 BEECHWOOD TER WEST DES MOINES, IA 50266 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 15.00% |
| TIMOTHY SWENSON3 | 5530 ZUMBRA LANE EXCELSIOR, MN 55331 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.00% |
| REYNOLDS & REYNOLDS INC3 | 300 WALNUT SUITE 200 DES MOINES, IA 50309 | VERATRUS BUSINESS SOLUTIONS | $2K | — | $2K | 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 | 144 | 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) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WELLMARK HEALTH PLAN OF IOWA | 104 | $1.2M |
| Dental | DELTA DENTAL OF IOWA | 127 | $100K |
| Vision | VERATRUS BUSINESS SOLUTIONS | 95 | $15K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 144 | $88K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 144 | $88K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 144 | $88K |
| Prescription drug(2 contracts, 2 carriers) | WELLMARK HEALTH PLAN OF IOWA | 104 | $1.2M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 144 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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."
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.