| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC3 Filed as: LMC INSURANCE & RISK MANAGEMENT INC | 4200 UNIVERSITY AVE SUITE 200 WEST DES MOINES, IA 50266 | WELLMARK HEALTH PLAN OF IOWA | $20K | — | $20K | 1.41% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: LMC INSURANCE & RISK MANAGEMENT INC | 4200 UNIVERSITY AVE SUITE 200 WEST DES MOINES, IA 50266 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $12K | — | $12K | 1.37% |
| LAMAIR MULOCK CONDON CO3 Filed as: LAMAIR-MULOCK-CONDON CO | 4200 UNIVERSITY AVE STE 200 WEST DES MOINES, IA 502665945 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $3K | $7K | 8.07% |
| EMPLOYER ADMINISTRATIVE SERVICES3 Filed as: EMPLOYER ADMINISTRATIVE SERV., LLC | 4200 UNIVERSITY AVENUE, STE 200 WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $4K | $4K | 5.20% |
| LAMAIR MULOCK CONDON CO3 Filed as: LAMAIR-MULOCK-CONDON CO | 4200 UNIVERSITY AVE STE 200 WEST DES MOINES, IA 502665945 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $977 | $3K | 10.40% |
| EMPLOYER ADMINISTRATIVE SERVICES3 Filed as: EMPLOYER ADMINISTRATIVE SERV., LLC | 4200 UNIVERSITY AVENUE STE 200 WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 5.20% |
| LAMAIR MULOCK CONDON CO3 Filed as: LAMAIR-MULOCK-CONDON CO | 4200 UNIVERSITY AVE STE 200 WEST DES MOINES, IA 502665945 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $466 | $3K | 18.06% |
| EMPLOYER ADMINISTRATIVE SERVICES3 Filed as: EMPLOYER ADMINISTRATIVE SERV., LLC | 4200 UNIVERSITY AVENUE, STE 200 WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $792 | $792 | 5.20% |
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 | 241 | 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) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WELLMARK HEALTH PLAN OF IOWA | 122 | $2.3M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 241 | $32K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 208 | $81K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 53 | $15K |
| Prescription drug(2 contracts, 2 carriers) | WELLMARK HEALTH PLAN OF IOWA | 122 | $2.3M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 241 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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.