| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAMAIR MULOCK CONDON CO3 Filed as: LAMAIR-MULOCK-CONDON CO. | 4200 UNIVERSITY AVE STE 200 WEST DES MOINES, IA 502665945 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $2K | $6K | 8.75% |
| LAMAIR MULOCK CONDON CO3 Filed as: LAMAIR-MULOCK-CONDON CO. | 4200 UNIVERSITY AVE STE 200 WEST DES MOINES, IA 502665945 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $975 | $7K | 11.65% |
| LAMAIR MULOCK CONDON CO3 Filed as: LAMAIR-MULOCK-CONDON CO. | 4200 UNIVERSITY AVE STE 200 WEST DES MOINES, IA 502665945 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $1K | $4K | 9.40% |
| SELECT NETWORKS3 | 317 6TH AVENUE, STE 1440 DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 11.00% |
| LAMAIR MULOCK CONDON CO3 Filed as: LAMAIR MULOCK CONDON CO. | 4200 UNIVERSITY AVE STE 200 WEST DES MOINES, IA 50266 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| LAMAIR MULOCK CONDON CO3 Filed as: LAMAIR-MULOCK-CONDON CO. | 4200 UNIVERSITY AVE STE 200 WEST DES MOINES, IA 502665945 | VISION SERVICE PLAN | $1K | — | $1K | 5.98% |
| ASSUREX3 Filed as: ASSUREX GLOBAL CORP | 175 S 3RD ST STE 800 COLUMBUS, OH 432155194 | VISION SERVICE PLAN | $87 | — | $87 | 0.50% |
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 | 668 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 672 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 539 | $54K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 668 | $105K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 653 | $73K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 668 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 668 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.