| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOSIER AND ASSOICATES, INC.3 | P.O. BOX 269 WAVERLY, IA 506770269 | AMERITAS LIFE INSURANCE CORP | $3K | $0 | $3K | 3.02% |
| PDCM INSURANCE3 | P.O. BOX 2597 WATERLOO, IA 507042597 | STANDARD INSURANCE COMPANY | $6K | $546 | $7K | 11.31% |
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 | 151 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WELLMARK HEALTH PLAN OF IOWA | 104 | $1.4M |
| Dental | AMERITAS LIFE INSURANCE CORP | 125 | $93K |
| Life insurance | STANDARD INSURANCE COMPANY | 151 | $60K |
| Short-term disability | STANDARD INSURANCE COMPANY | 151 | $60K |
| Long-term disability | STANDARD INSURANCE COMPANY | 151 | $60K |
| Prescription drug(2 contracts, 2 carriers) | WELLMARK HEALTH PLAN OF IOWA | 104 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.