| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 | 3066 VICTORIA ST BETTENDORF, IA 52722 | SYMETRA LIFE INSURANCE COMPANY | $0 | $30K | $30K | 4.01% |
| DAVIDSON BENEFITS PLANNING LLC3 Filed as: DAVIDSON BENF PLANNING AN ALER | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | SYMETRA LIFE INSURANCE COMPANY | $0 | $7K | $7K | 0.95% |
| NATIONAL BENEFITS CENTER LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | SYMETRA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.39% |
| KURT ROBERT BOGSETH3 | 1245 JORDAN CREEK PKWY SUITE 200 W DES MOINES, IA 50266 | NORTHWESTERN MUTUAL | $4K | $1K | $5K | 2.20% |
| JEFFREY BOES3 | 714 SIMON AVE CARROLL, IA 51401 | NORTHWESTERN MUTUAL | $2K | $587 | $3K | 1.18% |
| ERHARD FINANCIAL INC3 | 1245 JORDAN CREEK PKWY SUITE 200 W DES MOINES, IA 50266 | NORTHWESTERN MUTUAL | $1K | $160 | $1K | 0.61% |
| LUKE J WITTROCK3 | PO BOX 701 BOONE, IA 50036 | AFLAC | $16K | $1K | $18K | 8.01% |
| CHRISTOPHER HAGER3 Filed as: CHRISTOPHER CUNDIFF | 1411 S 7TH ST ADEL, IA 50003 | AFLAC | $3K | $330 | $4K | 1.68% |
| MARY M GRUNDMEIER3 | 1825 N CARROLL ST CARROLL, IA 51401 | AFLAC | $2K | $19 | $2K | 1.00% |
| MINDY SKIDMORE LLC3 | 2301 BURLINGTON ST STE 200 NORTH KANSAS CITY, MO 64116 | AFLAC | $2K | $75 | $2K | 0.96% |
| MONIKA M ARENDS3 | 1912 XIRCUS AVE WILLIAMS, IA 50271 | AFLAC | $2K | $80 | $2K | 0.79% |
| GROUP BENEFITS LTD3 Filed as: GROUP SERVICES LLC | 3066 VICTORIA ST BETTENDORF, IA 52722 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 6.15% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | STANDARD INSURANCE COMPANY | $566 | — | $566 | 0.90% |
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 | 597 | 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) | 597 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 597 | $63K |
| Short-term disability | AFLAC | 334 | $222K |
| Long-term disability | NORTHWESTERN MUTUAL | 586 | $247K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 390 | $760K |
| Other(2 contracts, 2 carriers) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 426 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 597 | — |
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.
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.