| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: TWO RIVERS INSURANCE CO INC | 214 N MAIN ST BURLINGTON, IA 52601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $53K | $19K | $71K | 20.27% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: TWO RIVERS INSURANCE CO INC | 214 N MAIN ST BURLINGTON, IA 52601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $37K | $13K | $50K | 20.30% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: TWO RIVERS INSURANCE CO INC | 214 N MAIN ST BURLINGTON, IA 52601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $32K | $11K | $43K | 20.26% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: TWO RIVERS INSURANCE AGENCY | PO BOX 746 BURLINGTON, IA 526010746 | VISION SERVICE PLAN | $3K | — | $3K | 2.20% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: TWO RIVERS INSURANCE SERV | 214 NORTH MAIN STREET BURLINGTON, IA 52601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | $7K | $29K | 19.77% |
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 | 1,689 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,698 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 964 | $151K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,689 | $458K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 250 | $148K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,685 | $352K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,689 | $213K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,689 | — |
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.
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.