| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KINGSTON LIFE & HEALTH3 | 1755 WEST LAKES PARKWAY HY-LINE BUILDING SUITE C WEST DES MOINES, IA 50266 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $16K | — | $16K | 3.83% |
| NATIONAL CORPORATE BENEFITS GROUP3 | JOHN WILLIAMS WEST DES MOINES, IA 50266 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $13K | — | $13K | 3.01% |
| KINGSTON LIFE & HEALTH3 | HY-LINE BUILDINGS SUITE C 1755 WESTLAKES PARKWAY WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 5.33% |
| KINGSTON LIFE & HEALTH3 | 1755 WEST LAKES PARKWAY HY-LINE BUILDING SUITE C WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $667 | $4K | 14.64% |
| KINGSTON LIFE & HEALTH3 | 1755 WEST LAKES PARKWAY HY-LINE BUILDING SUITE C WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $406 | $3K | 17.23% |
| KINGSTON LIFE & HEALTH3 | 1755 WEST LAKES PARKWAY HY-LINE BUILDING SUITE C WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $295 | $1K | 12.54% |
| KINGSTON LIFE & HEALTH3 | 1755 WEST LAKES PARKWAY HY-LINE BUILDING SUITE C WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $583 | $125 | $708 | 13.37% |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 55 | $55K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 55 | $55K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 106 | $5K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 371 | $12K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 104 | $28K |
| Stop-loss / reinsurancereinsurance | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 63 | $428K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 106 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 371 | — |
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.