| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DELTA DENTAL3 | PO BOX 9010 JOHNSTON, IA 501319010 | DELTA DENTAL OF IOWA | — | $7K | $7K | 18.07% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS GREAT PLAINS LLC | 4200 UNIVERSITY AVE, STE 200 WEST DES MOINES, IA 50266 | DELTA DENTAL OF IOWA | $1K | $53 | $1K | 3.18% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 | PO BOX 2597 WATERLOO, IA 50704 | RELIANCE STANDARD | $3K | $630 | $3K | 11.51% |
| FREDERICK S BOUNDS3 | 505 GRAND OAKS DRIVE WEST DES MOINES, IA 50265 | GUARDIAN | $2K | — | $2K | 7.94% |
| ENROLLEASE3 | 660 YORK STREET STE 102 SAN FRANCISCO, CA 94110 | GUARDIAN | $801 | — | $801 | 3.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS GREAT PLAINS, LLC | 4200 UNIVERSITY AVE STE 200 WEST DES MOINES, IA 50266 | GUARDIAN | — | $406 | $406 | 1.52% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 | PO BOX 2597 WATERLOO, IA 50704 | RELIANCE STANDARD | $2K | $371 | $3K | 16.61% |
| SELECT NETWORKS3 | 317 6TH AVENUE, STE 200 DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 11.73% |
| 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 | 10.67% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS GREAT PLAINS LLC | 4200 UNIVERSITY AVE WEST DES MOINES, IA 50266 | VERATRUS BENEFIT SOLUTIONS | $229 | — | $229 | 10.01% |
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 | 143 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF IOWA | 97 | $40K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 108 | $13K |
| Life insurance | GUARDIAN | 136 | $27K |
| Short-term disability | RELIANCE STANDARD | 143 | $28K |
| Long-term disability | RELIANCE STANDARD | 143 | $16K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 136 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.