| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS, LLC | 4200 UNIVERSITY AVENUE SUITE 200 WEST DES MOINES, IA 50266 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | — | $20K | 10.89% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DR #200 HUNT VALLEY, MD 21030 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 0.82% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS, LLC | 4200 UNIVERSITY AVENUE SUITE 200 WEST DES MOINES, IA 50266 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 10.85% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DR #200 HUNT VALLEY, MD 21030 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $662 | $662 | 0.78% |
| SELECT NETWORKS3 | 317 6TH AVENUE STE. 1040 DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $8K | — | $8K | 11.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS, INC | 4200 UNIVERSITY AVENUE SUITE 200 WEST DES MOINES, IA 50266 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
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 | 661 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 23 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 688 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 844 | $74K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 726 | $181K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 711 | $85K |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 726 | $181K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 844 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.