| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS, LTD | 12006 RIDGEMONT DRIVE URBANDALE, IA 50323 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $21K | $0 | $21K | 10.87% |
| MCKAY GROUP3 | 106 EAST MAIN STREET KNOXVILLE, IA 50138 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $0 | $7K | 3.75% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS, LTD | 12006 RIDGEMONT DRIVE URBANDALE, IA 50323 | DELTA DENTAL OF IOWA | $7K | $0 | $7K | 4.36% |
| ASSUREDPARTNERS3 | 4200 UNIVERSITY AVENUE WEST DES MOINES, IA 50266 | DELTA DENTAL OF IOWA | $0 | $665 | $665 | 0.44% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS, LTD | 12006 RIDGEMONT DRIVE URBANDALE, IA 50323 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $872 | $8K | 19.19% |
| GA SOLUTIONS LLC3 Filed as: GA SOLUTIONS, LLC | 311 CLOCK TOWER COMMONS BREWSTER, NY 10509 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.26% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | PO BOX 1788 GRAND RAPIDS, MI 49501 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $147 | $147 | 0.36% |
| MCKAY GROUP3 | PO BOX 151 KNOXVILLE, IA 50138 | VISION SERVICE PLAN | $1K | $0 | $1K | 6.69% |
| ASSUREDPARTNERS3 | 4200 UNIVERSITY AVENUE, SUITE 200 WEST DES MOINES, IA 50266 | VISION SERVICE PLAN | -$92 | $0 | -$92 | -0.55% |
| LATISHA D. EMBRAY3 | UNKNOWN KNOXVILLE, IA 50138 | ASSURITY LIFE INSURANCE COMPANY | $660 | $0 | $660 | 5.35% |
| MTAK, LLC3 | UNKNOWN KNOXVILLE, IA 50138 | ASSURITY LIFE INSURANCE COMPANY | $488 | $0 | $488 | 3.96% |
| ADVANTAGE GROUP GA LLC3 Filed as: ADVANTAGE GROUP MGA, LLC | UNKNOWN KNOXVILLE, IA 50138 | ASSURITY LIFE INSURANCE COMPANY | $123 | $0 | $123 | 1.00% |
| GREEN TREE, LLC3 | UNKNOWN KNOXVILLE, IA 50138 | ASSURITY LIFE INSURANCE COMPANY | $43 | $0 | $43 | 0.35% |
| MTAK, LLC3 | UNKNOWN KNOXVILLE, IA 50138 | ILLINOIS MUTUAL LIFE INSURANCE COMPANY | $172 | $0 | $172 | 2.88% |
| GREEN TREE, LLC3 | UNKNOWN KNOXVILLE, IA 50138 | ILLINOIS MUTUAL LIFE INSURANCE COMPANY | $30 | $0 | $30 | 0.50% |
| ADVANTAGE GROUP GA LLC3 Filed as: ADVANTAGE GROUP MGA, LLC | UNKNOWN KNOXVILLE, IA 50138 | ILLINOIS MUTUAL LIFE INSURANCE COMPANY | $16 | $0 | $16 | 0.27% |
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 | 290 | 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) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 156 | $2.5M |
| Dental | DELTA DENTAL OF IOWA | 156 | $150K |
| Vision | VISION SERVICE PLAN | 126 | $17K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 198 | $194K |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 198 | $235K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 198 | $194K |
| Prescription drug | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 156 | $2.5M |
| Other(4 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 290 | $219K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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.
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.