| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| S & K ASSOCIATES LLC3 | 1502 NW PARKRIDGE PL ANKENY, IA 50023 | STANDARD INSURANCE COMPANY | $77K | $21K | $98K | 3.19% |
| DONALD L SOUTHWORTH3 | 9604 STATE LANE ROAD LEAWOOD, KS 66206 | STANDARD INSURANCE COMPANY | $15K | — | $15K | 0.49% |
| S & K ASSOCIATES LLC3 | I502 NW PARKRIDGE PL ANKENY, IA 50023 | STANDARD INSURANCE COMPANY | $145K | $19K | $164K | 10.90% |
| DONALD L SOUTHWORTH3 | 9604 STATE LINE ROAD LEAWOOD, KS 66206 | STANDARD INSURANCE COMPANY | $28K | — | $28K | 1.88% |
| S & K ASSOCIATES LLC3 | 1502 NW PARKRIOGE PL ANKENY, IA 50023 | STANDARD INSURANCE COMPANY | $35K | $11K | $46K | 3.29% |
| DONALD L SOUTHWORTH3 | 9604 STATE LINE ROAD LEAWOOD, KS 66206 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 0.49% |
| IOWA BANKERS INSURANCE AND SERVICES3 Filed as: IOWA BANKERS INS & SERVICES | PO BOX 6210 JOHNSTON, IA 501316210 | VERATRUS BUSINESS SOLUTIONS | $41K | — | $41K | 11.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 42-0318333 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $5.0M |
| DELTA DENTAL EIN 42-0959302 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $392K |
| DAVIS, BROWN, KOEHN LAW FIRM EIN 42-1343884 NONE | Legal; Direct payment from the plan Service code 29 | — | $45K |
| DELOITTE & TOUCHE LLP EIN 13-3891517 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $29K |
| INSURANCE STRATEGIES CONSULTING EIN 76-0707406 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $10K |
| DELOITTE TAX LLP EIN 86-1065772 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $7K |
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 | 33,615 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 781 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 251 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 34,647 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VERATRUS BUSINESS SOLUTIONS | 2,114 | $367K |
| Life insurance | STANDARD INSURANCE COMPANY | 9,096 | $3.1M |
| Short-term disability | STANDARD INSURANCE COMPANY | 5,287 | $1.4M |
| Long-term disability | STANDARD INSURANCE COMPANY | 8,366 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,096 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.