| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PRISMA LLC3 | 1501 INGERSOLL AVENUE SUITE 200 DES MOINES, IA 50309 | UNITEDHEALTHCARE INSURANCE COMPANY | $24K | — | $24K | 3.81% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: TWO RIVERS INSURANCE CO INC | 214 NORTH MAIN STREET BURLINGTON, IA 52601 | UNITEDHEALTHCARE INSURANCE COMPANY | $236 | — | $236 | 0.04% |
| PRISMA LLC3 | 1501 INGERSOLL AVENUE SUITE 200 DES MOINES, IA 50309 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 11.15% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT ROAD SUITE 240 ST CLOUD, MN 56301 | PRINCIPAL LIFE INSURANCE COMPANY | $371 | — | $371 | 0.88% |
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 | 100 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 61 | $627K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 100 | $42K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 100 | $42K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 100 | $42K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 100 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 100 | — |
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.
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.