| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| S & K ASSOCIATES LLC3 | 1502 NW PARKRIDGE PL ANKENY, IA 50023 | STANDARD INSURANCE COMPANY | $106K | — | $106K | 2.92% |
| S & K ASSOCIATES LLC3 | 1502 NW PARKRIDGE PL ANKENY, IA 50023 | STANDARD INSURANCE COMPANY | $59K | — | $59K | 3.00% |
| S & K ASSOCIATES LLC3 | 1502 NW PARKRIDGE PL ANKENY, IA 50023 | STANDARD INSURANCE COMPANY | $201K | — | $201K | 11.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WELLMARK BLUE CROSS BLUE SHIELD NONE | Claims processing; Direct payment from the plan Service code 12 | 1334 GRAND AVENUE DES MOINES, IA 50309 | $5.7M |
| DELTA DENTAL OF IOWA NONE | Direct payment from the plan; Claims processing Service code 12 | 9000 NORTHPARK DRIVE JOHNSTON, IA 50131 | $402K |
| DONALDSON CAPITAL MANAGEMENT NONE | Investment management; Direct payment from the plan Service code 28 | 20 NW 1ST STREET, 5TH FLOOR EVANSVILLE, IN 47708 | $140K |
| MILLIMAN NONE | Actuarial; Direct payment from the plan; Consulting (general) Service code 11 | 15800 W BLUEMOUND ROAD, SUITE 100 BROOKFIELD, WI 53005 | $116K |
| BRAL NIEDERT PRIVATE WEALTH ADVISOR NONE | Direct payment from the plan; Investment management Service code 28 | 6701 WESTOWN PARKWAY SUITE 260 WEST DES MOINES, IA 50266 | $80K |
| DELOITTE & TOUCHE LLP EIN 13-3891517 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $79K |
| DENTONS DAVIS, BROWN, KOEHN LAW FIR EIN 42-1343884 NONE | Legal; Direct payment from the plan Service code 29 | — | $10K |
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 | 12,435 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 526 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 80 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 13,041 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 7,555 | $3.6M |
| Short-term disability | STANDARD INSURANCE COMPANY | 5,287 | $2.0M |
| Long-term disability | STANDARD INSURANCE COMPANY | 7,036 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,555 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.