| 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 | $45K | — | $45K | 4.12% |
| KINGSTON LIFE & HEALTH3 | 1755 WESTLAKES PWY WEST DES MOINES, IA 50266 | DELTA DENTAL OF IOWA | $4K | $924 | $5K | 6.70% |
| NATIONAL CORPORATE BENEFITS GROUP3 Filed as: NATIONAL CORPORATE BENEFITS GROUP, | 1755 WEST LAKES PARKWAY HY-LINE BLDG STE C WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 9.66% |
| NATIONAL CORPORATE BENEFITS GROUP3 Filed as: NATIONAL CORPORATE BENEFITS GROUP, | 1755 WEST LAKES PARKWAY HY-LINE BLDG STE C WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| JERRI J GREGORY3 | 791 NW 43RD AVE DES MOINES, IA 50313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $397 | $2K | 9.64% |
| JOSEPH MICHAEL EVANS3 | 4721 BROOKVIEW DRIVE WEST DES MOINES, IA 50265 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $768 | $250 | $1K | 5.61% |
| AMANDA M GRIFFITH3 Filed as: AMANDA JEANNE KANE | 7505 SE VANDALIA DRIVE RUNNELLS, IA 50237 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $244 | $42 | $286 | 1.58% |
| ROBIN ROCHELLE WAGNER3 | 2696 PARK PLACE NORWALK, IA 50211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $123 | — | $123 | 0.68% |
| JENNIFER ANN EASTMAN3 | 4837 PARK CIRCLE WEST DES MOINES, IA 50265 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.12% |
| EDGHILL ENTERPRISES LLC3 | 1420 WEST Q ST LINCOLN, NE 68528 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.09% |
| KEVIN MURPHY3 Filed as: KEVIN ARMSTRONG INSURANCE INC | 4027 WEST FAIDLEY GRAND ISLAND, NE 68803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| NATIONAL CORPORATE BENEFITS GROUP3 Filed as: NATIONAL CORPORATE BENEFITS GROUP, | 1755 WEST LAKES PARKWAY HY-LINE BLDG STE C WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| KINGSTON LIFE & HEALTH3 Filed as: KINGSTON LIFE AND HEALTH | 1755 WESTLAKES PKWY STE C WEST DES MOINES, IA 50266 | VISION SERVICE PLAN | $920 | — | $920 | 6.23% |
| NATIONAL CORPORATE BENEFITS GROUP3 Filed as: NATIONAL CORPORATE BENEFITS GROUP, | 1755 WEST LAKES PARKWAY HY-LINE BLDG STE C WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 10.58% |
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 | 194 | 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) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF IOWA | 115 | $70K |
| Vision | VISION SERVICE PLAN | 110 | $15K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 188 | $38K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 59 | $17K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 188 | $44K |
| Stop-loss / reinsurancereinsurance | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 118 | $1.1M |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 188 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.