| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC3 Filed as: LMC INSURANCE & RISK MANAGEMENT INC | 4200 UNIVERSITY, STE 200 WEST DES MOINES, IA 502665945 | WELLMARK, INC | $30K | — | $30K | 1.88% |
| LA MAIR MULOCK CONDON CO.3 | 4200 UNIVERISITY AVE, STE 200 WES DES MOINES, IA 502665945 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 8.53% |
| LA MAIR MULOCK CONDON CO.3 | 4200 UNIVERSITY AVE, STE 200 WEST DES MOINES, IA 502665945 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| LA MAIR MULOCK CONDON CO.3 | 4200 UNIVERSITY AVE, STE 200 WEST DES MOINES, IA 502665945 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 13.19% |
| SELECT NETWORKS3 | 317 6TH AVENUE DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 11.00% |
| LA MAIR MULOCK CONDON CO.3 | 4200 UNIVERSITY AVE, STE 200 WEST DES MOINES, IA 50266 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| TARA MICHELLE D AGOSTINO3 Filed as: TARA K STUDER | 115 N JEFFERSON AVE MASON CITY, IA 50401 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $2K | — | $2K | 17.10% |
| TARA STUDER & ASSOCIATES3 | 115 N JEFFERSON AVE MASON CITY, IA 50401 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $970 | — | $970 | 7.99% |
| R DOUGLAS MCWILLIAMS3 | 11116 AURORA AVE URBANDALE, IA 50322 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $676 | — | $676 | 5.57% |
| THE TODD GROUP3 | 602 MAIN ST STE 200 CEDAR FALLS, IA 50613 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $455 | — | $455 | 3.75% |
| WESLEY J TODD3 | 602 MAIN ST STE 200 CEDAR FALLS, IA 50613 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $89 | — | $89 | 0.73% |
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 | 148 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WELLMARK, INC | 133 | $1.6M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 0 | $14K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 148 | $67K |
| Short-term disability(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 148 | $79K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 129 | $24K |
| Prescription drug | WELLMARK, INC | 133 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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.