| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT SOURCE INC3 Filed as: BENEFIT SOURCE INC. | 4000 WESTOWN PARKWAY SUITE 110 WEST DES MOINES, IA 50266 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $48K | — | $48K | 0.65% |
| BENEFIT SOURCE INC3 | 4000 WESTOWN PARKWAY SUITE 110 WEST DES MOINES, IA 50266 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 5.16% |
| SELECT NETWORKS3 | 317 6TH AVENUE SUITE 1440 DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $12K | — | $12K | 10.63% |
| BENEFIT SOURCE INC3 Filed as: BENEFIT SOURCE, INC | 4000 WESTWON PARKWAY SUITE 110 DES MOINES, IA 50266 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $6K | — | $6K | 5.70% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH | 4949 WESTOWN PARKWAY SUITE 200 WEST DES MOINES, IA 50266 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 3.96% |
| SELECT NETWORKS3 | 317 6TH AVENUE SUITE 1440 DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $8K | — | $8K | 11.75% |
| BENEFIT SOURCE INC3 Filed as: BENEFIT SOURCE, INC | 4000 WESTWON PARKWAY SUITE 110 WEST DES MOINES, IA 50266 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $7K | — | $7K | 10.67% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH | 4949 WESTOWN PARKWAY SUITE 200 WEST DES MOINES, IA 50266 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $9 | — | $9 | 0.01% |
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 | 716 | 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) | 716 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 590 | $178K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 716 | $177K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 716 | $177K |
| Stop-loss / reinsurancereinsurance | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 707 | $7.3M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 716 | $177K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 716 | — |
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.