| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DELTA DENTAL3 | PO BOX 9010 JOHNSTON, IA 501319010 | DELTA DENTAL OF IOWA | — | $7K | $7K | 18.65% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS GREAT PLAINS LLC | 4200 UNIVERSITY AVE, STE 200 WEST DES MOINES, IA 50266 | DELTA DENTAL OF IOWA | $1K | $51 | $1K | 3.30% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 | PO BOX 2597 WATERLOO, IA 50704 | RELIANCE STANDARD | $3K | — | $3K | 9.50% |
| FREDERICK S BOUNDS3 | 505 GRAND OAKS DRIVE WEST DES MOINES, IA 50265 | GUARDIAN | $4K | — | $4K | 17.56% |
| ENROLLEASE3 | 660 YORK STREET STE 102 SAN FRANCISCO, CA 94110 | GUARDIAN | $726 | — | $726 | 3.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS GREAT PLAINS, LLC | 4200 UNIVERSITY AVE STE 200 WEST DES MOINES, IA 50266 | GUARDIAN | — | $231 | $231 | 0.95% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 | PO BOX 2597 WATERLOO, IA 50704 | RELIANCE STANDARD | $2K | — | $2K | 14.99% |
| SELECT NETWORKS3 | 317 6TH AVENUE, STE 200 DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 10.25% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS GREAT PLAINS, LLC | 4200 UNIVERSITY AVE, STE 200 WEST DES MOINES, IA 502665945 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 9.31% |
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 | 268 | 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) | 268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GUARDIAN | 136 | $24K |
| Dental | DELTA DENTAL OF IOWA | 98 | $37K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 86 | $12K |
| Life insurance | GUARDIAN | 136 | $24K |
| Short-term disability | RELIANCE STANDARD | 268 | $28K |
| Long-term disability | RELIANCE STANDARD | 349 | $16K |
| Other | GUARDIAN | 136 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 349 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.