| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFITS LTD3 | 12006 RIDGEMONT DRIVE URBANDALE, IA 50323 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $35K | $2K | $37K | 17.08% |
| MCKAY GROUP3 | 106 EAST MAIN STREET KNOXVILLE, IA 50138 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS, LTD | 12006 RIDGEMONT DRIVE URBANDALE, IA 50323 | DELTA DENTAL OF IOWA | $8K | $638 | $9K | 5.25% |
| GROUP BENEFITS LTD3 | 12006 RIDGEMONT DRIVE URBANDALE, IA 50323 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $1K | $10K | 21.44% |
| GA SOLUTIONS LLC3 | 311 CLOCK TOWER COMMONS BREWSTER, NY 10509 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 4.72% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | PRINCIPAL LIFE INSURANCE COMPANY | — | $199 | $199 | 0.43% |
| MCKAY GROUP3 Filed as: MCKAY INSURANCE AGENCY, INC. | PO BOX 151 KNOXVILLE, IA 50138 | VISION SERVICE PLAN | $1K | — | $1K | 5.11% |
| GROUP BENEFITS LTD3 | 12006 RIDGEMONT DRIVE URBANDALE, IA 50323 | ASSURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 11.37% |
| MTAK, LLC3 Filed as: MTAK LLC | UNKNOWN KNOXVILLE, IA 50138 | ASSURITY LIFE INSURANCE COMPANY | $399 | — | $399 | 3.35% |
| LATISHA D. EMBRAY3 | UNKNOWN KNOXVILLE, IA 50138 | ASSURITY LIFE INSURANCE COMPANY | $300 | — | $300 | 2.52% |
| ADVANTAGE GROUP GA LLC3 Filed as: ADVANTAGE GROUP MGA LLC | UNKNOWN KNOXVILLE, IA 50138 | ASSURITY LIFE INSURANCE COMPANY | $100 | — | $100 | 0.84% |
| MTAK, LLC3 Filed as: MTAK LLC | UNKNOWN KNOXVILLE, IA 50138 | ILLINOIS MUTUAL LIFE INSURANCE COMPANY | $127 | $0 | $127 | 2.88% |
| ADVANTAGE GROUP GA LLC3 Filed as: ADVANTAGE GROUP MGA LLC | UNKNOWN KNOXVILLE, IA 50138 | ILLINOIS MUTUAL LIFE INSURANCE COMPANY | $7 | $0 | $7 | 0.16% |
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 | 196 | 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) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 168 | $2.9M |
| Dental | DELTA DENTAL OF IOWA | 176 | $165K |
| Vision | VISION SERVICE PLAN | 142 | $24K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 196 | $216K |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 196 | $262K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 196 | $216K |
| Prescription drug(2 contracts) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 168 | $2.9M |
| Other(4 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 230 | $237K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.