| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AVANT SPECIALTY BENEFITS LLC | 1828 WALNUT STREET SUITE 800 KANSAS CITY, MO 64108 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $52K | — | $52K | 10.45% |
| TRUE NORTH COMPANIES LC Filed as: TRUE NORTH COMPANIES. LC | 7900 E UNION AVENUE, SUITE 300 DENVER, CO 80237 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $42K | — | $42K | 8.44% |
| HOLMES MURPHY & ASSOCIATES Filed as: HOLMES MURPHY AND ASSOCIATES, LLC | 201 1ST STREET SE STE 700 CEDAR RAPIDS, IA 52401 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $30K | $4K | $33K | 6.70% |
| C2 CENTRIC LLC | 11740 SW 68TH PARKWAY, SUITE 2 PORTLAND, OR 97223 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $464 | — | $464 | 0.09% |
| TRUE NORTH COMPANIES LC3 Filed as: TRUE NORTH COMPANIES. LC | PO BOX 1863 CEDAR RAPIDS, IA 524061863 | VISION SERVICE PLAN | $18K | — | $18K | 9.12% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES, LLC | PO BOX 441 DES MOINES, IA 503020441 | VISION SERVICE PLAN | $2K | — | $2K | 0.89% |
| TRUE NORTH COMPANIES LC Filed as: TRUE NORTH COMPANIES. LC | 7900 E UNION AVENUE, SUITE 300 DENVER, CO 80237 | DELTA DENTAL OF IOWA | $20K | — | $20K | — |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES, LLC | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | DELTA DENTAL OF IOWA | $4K | $887 | $5K | — |
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 | 3,590 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,609 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 506 | $5.7M |
| Dental | DELTA DENTAL OF IOWA | 766 | $0 |
| Vision | VISION SERVICE PLAN | 760 | $195K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 3,590 | $493K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 3,590 | $493K |
| Prescription drug(2 contracts, 2 carriers) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 506 | $5.7M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 3,590 | $493K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,590 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.