| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRANK BERLIN & ASSOCIATES3 Filed as: FRANK BERLIN & ASSOCIATES, LLC | 4949 WESTOWN PARKWAY, SUITE 100 WEST DES MOINES, IA 50266 | DELTA DENTAL OF IOWA | $149K | $15K | $164K | 7.68% |
| FRANK BERLIN & ASSOCIATES3 Filed as: FRANK W BERLIN & ASSOCIATES | 4949 WESTOWN PARKWAY, SUITE 200 WEST DES MOINES, IA 50266 | STANDARD INSURANCE COMPANY | $146K | — | $146K | 11.92% |
| GUIDESPARK INC Filed as: GUIDESPARK | 1350 WILLOW ROAD, SUITE 201 MENLO PARK, CA 94025 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 0.16% |
| FRANK BERLIN & ASSOCIATES3 Filed as: FRANK W BERLIN & ASSOCIATES | 4949 WESTOWN PARKWAY, SUITE 200 WEST DES MOINES, IA 50266 | STANDARD INSURANCE COMPANY | $107K | — | $107K | 11.96% |
| GUIDESPARK INC Filed as: GUIDESPARK | 1350 WILLOW ROAD, SUITE 201 MENLO PARK, CA 94025 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 0.16% |
| FRANK BERLIN & ASSOCIATES3 | 4949 WESTOWN PKWY, STE 200 WEST DES MOINES, IA 50266 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $39K | — | $39K | 9.99% |
| SELECT NETWORKS3 | 317 6TH AVE. SUITE 1440 DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $31K | — | $31K | 7.99% |
| FRANK BERLIN & ASSOCIATES3 Filed as: FRANK W BERLIN & ASSOCIATES | 4949 WESTOWN PARKWAY, SUITE 200 WEST DES MOINES, IA 50266 | STANDARD INSURANCE COMPANY | $37K | — | $37K | 12.43% |
| GUIDESPARK INC Filed as: GUIDESPARK | 1350 WILLOW ROAD, SUITE 201 MENLO PARK, CA 94025 | STANDARD INSURANCE COMPANY | — | $527 | $527 | 0.18% |
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 | 5,745 | 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) | 5,745 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF IOWA | 5,144 | $2.1M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 5,947 | $391K |
| Life insurance | STANDARD INSURANCE COMPANY | 12,118 | $1.2M |
| Short-term disability | STANDARD INSURANCE COMPANY | 2,224 | $897K |
| Long-term disability | STANDARD INSURANCE COMPANY | 534 | $295K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,118 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.