| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC3 Filed as: LMC INSURANCE & RISK MANAGEMENT INC | 4200 UNIVERSITY AVENUE SUITE 200 WEST DES MOINES, IA 50266 | WELLMARK HEALTH PLAN OF IOWA | $49K | — | $49K | 3.25% |
| LAMAIR MULOCK CONDON CO3 Filed as: LAMAIR MULOCK CONDON CO. | 4200 UNIVERSITY AVENUE SUITE 200 WEST DES MOINES, IA 50266 | DELTA DENTAL OF IOWA | $7K | $1K | $9K | 6.97% |
| HEALTHCARE BENEFIT ALLIANCE CORP.3 Filed as: HEALTHCARE BENEFIT ALLIANCE CORP | 708 HEARTLAND TRAIL #1000 MADISON, WI 53717 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TEXAS HWY SOUTH BLDG II, SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $409 | $409 | 0.97% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: LMC INSURANCE & RISK MANAGEMENT INC | 4200 UNIVERSITY AVENUE SUITE 200 WEST DES MOINES, IA 50266 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $2K | — | $2K | 3.73% |
| HEALTHCARE BENEFIT ALLIANCE CORP.3 | 708 HEARTLAND TRAIL #1000 MADISON, WI 53717 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TEXAS HWY SOUTH BLDG II, SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $120 | $120 | 1.10% |
| LAMAIR MULOCK CONDON CO3 Filed as: LAMAIR MULOCK CONDON COMPANY | 4200 UNIVERSITY AVENUE SUITE 200 WEST DES MOINES, IA 502665945 | PRINCIPAL LIFE INSURANCE COMPANY | $791 | — | $791 | 9.14% |
| HEALTHCARE BENEFIT ALLIANCE CORP.3 | 708 HEARTLAND TRAIL #1000 MADISON, WI 53717 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $665 | — | $665 | 15.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TEXAS HWY SOUTH BLDG II, SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $24 | $24 | 0.54% |
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 | 186 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WELLMARK HEALTH PLAN OF IOWA | 145 | $1.6M |
| Dental | DELTA DENTAL OF IOWA | 151 | $123K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 184 | $9K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 186 | $53K |
| Prescription drug | WELLMARK HEALTH PLAN OF IOWA | 145 | $1.5M |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 186 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.