| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFIT PARTNERS LLC Filed as: GROUP BENEFIT PARTNERS | PO BOX 133 FORT MADISON, IA 52627 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | — | $0 | $0 | 0.00% |
| NATIONAL CORPORATE BENEFITS GROUP | 1755 WEST LAKES PARKWAY HY-LINE BLDG STE C WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $0 | $9K | 8.59% |
| GROUP BENEFIT PARTNERS LLC | PO BOX 133 FORT MADISON, IA 52627 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.33% |
| NATIONAL CORPORATE BENEFITS GROUP | 1755 WEST LAKES PARKWAY WEST DES MOINES, IA 50266 | DELTA DENTAL OF IOWA | $3K | $579 | $4K | 4.82% |
| GROUP BENEFIT PARTNERS LLC Filed as: GROUP BENEFIT PARTNERS | PO BOX 133 FORT MADISON, IA 52627 | DELTA DENTAL OF IOWA | $991 | $0 | $991 | 1.28% |
| JERRI J GREGORY Filed as: JERRI GREGORY | 791 NW 43RD AVE DES MOINES, IA 50313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $224 | $1K | 8.32% |
| JOSEPH MICHAEL EVANS | 4721 BROOKVIEW DRIVE WEST DES MOINES, IA 50265 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $508 | $145 | $653 | 3.72% |
| AMANDA M GRIFFITH Filed as: AMANDA JEANNE KANE | 7505 SE VANDALIA RD RUNNELLS, IA 50237 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $158 | $37 | $195 | 1.11% |
| GRUND BENEFIT ADVISORS LLC | 14669 MEREDITH AVE OMAHA, NE 68116 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $158 | $15 | $173 | 0.98% |
| DINO COSTANZO | 273 S 62ND ST WEST DES MOINES, IA 50266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $1 | $27 | 0.15% |
| EDGHILL ENTERPRISES LLC | 7811 FRAMTON RD LINCOLN, NE 68516 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $0 | $15 | 0.09% |
| ROBIN ROCHELLE WAGNER | 2696 PARK PLACE NORWALK, IA 50211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.03% |
| KEVIN MURPHY Filed as: KEVIN ARMSTRONG INSURANCE INC. | 4027 WEST FAIDLEY GRAND ISLAND, NE 68803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| KINGSTON LIFE & HEALTH Filed as: KINGSTON LIFE AND HEALTH | 1755 WEST LAKES PARKWAY WEST DES MOINES, IA 50266 | VISION SERVICE PLAN | $821 | $0 | $821 | 5.21% |
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 | 157 | 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) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF IOWA | 89 | $77K |
| Vision | VISION SERVICE PLAN | 86 | $16K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 205 | $102K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 205 | $102K |
| Stop-loss / reinsurancereinsurance | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 94 | $1.2M |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 205 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.