| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT SOURCE INC3 | 4000 WESTOWN PARKWAY SUITE 110 WEST DES MOINES, IA 50266 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $25K | $25K | 2.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4280 SERGEANT ROAD SUITE 200 SIOUX CITY, IA 51106 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $8K | $8K | 0.76% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JENNIFER S BROWN INC | 4000 WESTOWN PARKWAY SUITE 110 WEST DES MOINES, IA 50266 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $1K | $1K | 0.09% |
| BENEFIT SOURCE INC3 | 4000 WESTOWN PARKWAY SUITE 110 WEST DES MOINES, IA 50266 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 6.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4280 SERGEANT ROAD SUITE 200 SIOUX CITY, IA 51106 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $927 | — | $927 | 1.91% |
| BENEFIT SOURCE INC3 | 4000 WESTOWN PARKWAY SUITE 110 WEST DES MOINES, IA 50266 | AMERITAS LIFE INSURANCE CORP. | $3K | — | $3K | 6.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 718 SIOUX CITY, IA 51102 | AMERITAS LIFE INSURANCE CORP. | $1K | — | $1K | 3.54% |
| BENEFIT SOURCE INC3 | 4000 WESTOWN PARKWAY SUITE 110 WEST DES MOINES, IA 50266 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 9.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4280 SERGEANT ROAD SUITE 200 SIOUX CITY, IA 51106 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $875 | — | $875 | 3.88% |
| BENEFIT SOURCE INC3 | 4000 WESTOWN PARKWAY SUITE 110 WEST DES MOBIES, IA 50266 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 10.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 4280 SERGEANT ROAD SUITE 200 SIOUX CITY, IA 51106 | UNION SECURITY INSURANCE COMPANY | $919 | — | $919 | 4.94% |
| BENEFIT SOURCE INC3 | 4000 WESTOWN PKWY STE 110 WEST DES MOINES, IA 50266 | EFR EMPLOYEE & FAMILY RESOURCES | $299 | — | $299 | 5.00% |
| BENEFIT SOURCE INC3 | 4000 WESTOWN PARKWAY SUITE 110 WEST DES MOINES, IA 50266 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $404 | — | $404 | 6.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4280 SERGEANT ROAD SUITE 200 SIOUX CITY, IA 51106 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $193 | — | $193 | 3.23% |
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 | 234 | 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) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 214 | $1.1M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 65 | $41K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 65 | $41K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 208 | $6K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 173 | $49K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 173 | $23K |
| Other(3 contracts, 3 carriers) | UNION SECURITY INSURANCE COMPANY | 315 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 315 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.