| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT SOURCE INC3 | 6505 MERLE HAY ROAD JOHNSTON, IA 50131 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 3.16% |
| BENEFIT SOURCE INC3 | 6505 MERLE HAY ROAD SUITE 110 JOHNSTON, IA 50131 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 15.00% |
| JENNON CARUTH3 Filed as: JENNON CRUTH | 6400 FLYING CLOUD DRIVE SUITE 215 EDEN PRAIRIE, MN 55344 | TRUSTMARK INSURANCE COMPANY | $6K | — | $6K | 6.37% |
| BENEFIT SOURCE INC3 | 6505 MERLE HAY ROAD SUITE 110 JOHNSTON, IA 50131 | TRUSTMARK INSURANCE COMPANY | $4K | — | $4K | 4.24% |
| BENEFIT SOURCE INC3 Filed as: BENEFIT SOURCE INC. | 6505 MERLE HAY ROAD SUITE 110 JOHNSTON, IA 50131 | TRUSTMARK INSURANCE COMPANY | $7K | — | $7K | 7.39% |
| JENNON CARUTH3 Filed as: JENNON CRUTH | 6400 FLYING CLOUD DRIVE SUITE 215 EDEN PRAIRIE, MN 55344 | TRUSTMARK INSURANCE COMPANY | $4K | — | $4K | 3.95% |
| JENNON CARUTH3 Filed as: JENNON CRUTH | 6400 FLYING CLOUD DRIVE SUITE 215 EDEN PRAIRIE, MN 55344 | TRUSTMARK INSURANCE COMPANY | $6K | — | $6K | 9.32% |
| BENEFIT SOURCE INC3 | 6505 MERLE HAY ROAD SUITE 110 JOHNSTON, IA 50131 | TRUSTMARK INSURANCE COMPANY | $4K | — | $4K | 6.21% |
| BENEFIT SOURCE INC3 Filed as: BENEFIT SOURCE, INC | 4000 WESTWON PARKWAY SUITE 110 WEST DES MOINES, IA 50266 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $8K | — | $8K | 11.87% |
| SELECT NETWORKS3 | 6165 NORTHWEST 86TH STREET SUITE 108 JOHNSTON, IA 50131 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 5.33% |
| WELLMARK INC3 Filed as: WELLMARK, INC. | 1331 GRAND AVENUE DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $23 | — | $23 | 0.04% |
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 | 680 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 75 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 75 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 830 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 494 | $64K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 743 | $498K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 743 | $303K |
| Stop-loss / reinsurancereinsurance(3 contracts) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 685 | $14.3M |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 743 | $667K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 743 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.