| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KINGSTON LIFE & HEALTH3 | 1755 WESTLAKES PARKWAY SUITE C WEST DES MOINES, IA 50266 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $42K | — | $42K | 4.91% |
| NATIONAL COORPORATE BENEFITS GROUP3 | HY-LINE BUILDING SUITE C 1755 WEST LAKES PARKWAY WEST DES MOINES, IA 50266 | DELTA DENTAL OF IOWA | $4K | $1K | $5K | 7.35% |
| KINGSTON LIFE & HEALTH3 | 1755 WEST LAKES PARKWAY HY-LINE BUILDING SUITE C WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $1K | $5K | 12.95% |
| KINGSTON LIFE & HEALTH3 | 1755 WEST LAKES PARKWAY HY-LINE BUILDING SUITE C WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $726 | $5K | 17.81% |
| JERRI J GREGORY3 | 791 NORTHWEST 43RD AVENUE DES MOINES, IA 50313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 19.26% |
| JOSEPH MICHAEL EVANS3 | 4721 BROOKVIEW DRIBE WEST DES MOINES, IA 50265 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $1K | $3K | 15.17% |
| JENNIFER ANN EASTMAN3 | 4837 PARK CIRCLE WEST DES MOINES, IA 50265 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $304 | — | $304 | 1.81% |
| EDGHILL ENTERPRISES LLC3 | 707 WEST HEDDE GRAND ISLAND, NE 68801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $115 | $19 | $134 | 0.80% |
| AMANDA M GRIFFITH3 Filed as: AMANDA JEANNE KANE | 7505 SE VANDALIA DRIVE RUNNELLS, IA 50237 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $8 | $24 | 0.14% |
| KEVIN MURPHY3 Filed as: KEVIN ARMSTRONG INSURANCE INC | 4027 WEST FAIDLEY GRAND ISLAND, NE 68803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $4 | $8 | 0.05% |
| KINGSTON LIFE & HEALTH3 | 1755 WEST LAKES PARKWAY HY-LINE BUILDING SUITE C WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $415 | $2K | 12.94% |
| KINGSTON LIFE & HEALTH3 Filed as: KINGSTON LIFE AND HEALTH | 1755 WESTLAKES PARKWAY SUITE C WEST DES MOINES, IA 50266 | VISION SERVICE PLAN | $881 | — | $881 | 6.44% |
| KINGSTON LIFE & HEALTH3 | 1755 WEST LAKES PARKWAY HY-LINE BUILDING SUITE C WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $947 | $253 | $1K | 14.39% |
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 | 187 | 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) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF IOWA | 97 | $66K |
| Vision | VISION SERVICE PLAN | 97 | $14K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 184 | $34K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 55 | $14K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 184 | $40K |
| Stop-loss / reinsurancereinsurance | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 106 | $862K |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 184 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.