| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFIT PARTNERS LLC3 | PO BOX 133 FORT MADISON, IA 52627 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $21K | $0 | $21K | 2.64% |
| GROUP BENEFIT PARTNERS LLC3 | PO BOX 133 FORT MADISON, IA 52627 | DELTA DENTAL OF IOWA | $4K | $409 | $4K | 6.43% |
| KINGSTON LIFE & HEALTH3 Filed as: KINGSTON LIFE AND HEALTH | 1755 WEST LAKES PKWY WEST DES MOINES, IA 50266 | DELTA DENTAL OF IOWA | — | $195 | $195 | 0.30% |
| GROUP BENEFIT PARTNERS LLC3 | PO BOX 133 FORT MADISON, IA 52627 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 9.44% |
| GROUP BENEFIT PARTNERS LLC3 | PO BOX 133 FORT MADISON, IA 52627 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| SELECT NETWORKS3 | 317 6TH AVE SUITE 1440 DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.16% |
| GROUP BENEFIT PARTNERS LLC3 | PO BOX 133 FORT MADISON, IA 52627 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.23% |
| GROUP BENEFIT PARTNERS LLC3 | PO BOX 133 FORT MADISON, IA 52627 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| JERRI J GREGORY3 | 791 NW 43RD AVE DES MOINES, IA 50313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $955 | $51 | $1K | 5.47% |
| JOSEPH MICHAEL EVANS3 | 4721 BROOKVIEW DR WEST DES MOINES, IA 50265 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $276 | $39 | $315 | 1.71% |
| AMANDA M GRIFFITH3 Filed as: AMANDA JEANNE KANE | 7505 SE VANDALIA DR RUNNELS, IA 50237 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $144 | $10 | $154 | 0.84% |
| GRUND BENEFIT ADVISORS LLC3 | 14669 MEREDITH AVE OMAHA, NE 68116 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | $1 | $37 | 0.20% |
| EDGHILL ENTERPRISES LLC3 | 7811 FRAMTON RD LINCOLN, NE 68516 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.09% |
| DINO COSTANZO3 | 273 S 62ND ST WEST DES MOINES, IA 50266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| KEVIN MURPHY3 Filed as: KEVIN ARMSTRONG INSURANCE INC | 4027 WEST FAIDLEY GRAND ISLAND, NE 68803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| GROUP BENEFIT PARTNERS LLC3 | PO BOX 133 FORT MADISON, IA 52627 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $990 | — | $990 | 11.00% |
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 | 176 | 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) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF IOWA | 98 | $64K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 97 | $21K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 158 | $42K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 58 | $21K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 158 | $45K |
| Stop-loss / reinsurancereinsurance | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 99 | $793K |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 158 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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.