| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 | PO BOX 2597 WATERLOO, IA 50704 | RELIANCE STANDARD | $3K | — | $3K | 9.36% |
| TRUE NETWORK OF ADVISORS LLC3 | 501 OFFICE CENTER SUITE 215 FORT WASHINGTON, PA 19034 | RELIANCE STANDARD | — | $279 | $279 | 1.04% |
| FREDERICK S BOUNDS3 | 505 GRAND OAKS DRIVE WEST DES MOINES, IA 50265 | GUARDIAN | $2K | — | $2K | 8.32% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS GREAT PLAINS, LLC | 4200 UNIVERSITY AVE STE 200 WEST DES MOINES, IA 50266 | GUARDIAN | — | $546 | $546 | 2.21% |
| PATRIOT GROWTH INSURANCE SERVICES3 | PO BOX 2597 WATERLOO, IA 50704 | RELIANCE STANDARD | $2K | — | $2K | 14.51% |
| TRUE NETWORK OF ADVISORS LLC3 | 501 OFFICE CENTER DR, SUITE 215 FORT WASHINGTON, PA 19034 | RELIANCE STANDARD | — | $163 | $163 | 0.97% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS GREAT PLAINS LLC | 914 AVENUE G FORT MADISON, IA 52627 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 11.04% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS GREAT PLAINS LLC | 4200 UNIVERSITY AVE WEST DES MOINES, IA 50266 | VERATRUS BENEFIT SOLUTIONS | $331 | — | $331 | 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 | 122 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 112 | $13K |
| Life insurance | GUARDIAN | 125 | $25K |
| Short-term disability | RELIANCE STANDARD | 124 | $27K |
| Long-term disability | RELIANCE STANDARD | 122 | $17K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 125 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.