| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH RISK PARTNERS LLC3 | 2048 SUPERIOR DRIVE NW ROCHESTER, MN 55901 | DELTA DENTAL OF IOWA | $4K | $352 | $4K | 6.15% |
| NORTH RISK PARTNERS LLC3 | 1045 76TH STREET, SUITE 4000 WEST DES MOINES, IA 50266 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 12.74% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT ROAD SAINT CLOUD, MN 56301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 10.63% |
| JERRI J GREGORY3 Filed as: JERRI GREGORY | 791 NW 43RD AVENUE DES MOINES, IA 50313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2 | $2K | 7.51% |
| AMANDA M GRIFFITH3 Filed as: AMANDA JEANNE KANE | 7505 SE VANDALIA DRIVE RUNNELLS, IA 50237 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $322 | $0 | $322 | 1.57% |
| JOSEPH P CALARCO3 Filed as: JOSEPH MICHAEL EVANS | 13848 ROSEWOOD DRIVE CLIVE, IA 50325 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | $0 | $39 | 0.19% |
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 | 263 | 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) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF IOWA | 84 | $64K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 263 | $57K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 23 | $21K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 263 | $57K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 263 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.