| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FST ASSOCIATES INC5 Filed as: FST ASSOCIATES | 55 W MONROE, STE 500 CHICAGO, IL 60603 | WELLMARK HEALTH PLAN OF IOWA, INC. | $11K | — | $11K | 0.19% |
| HUB INTERNATIONAL MIDWEST LIMITED5 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD CHICAGO, IL 60604 | WELLMARK HEALTH PLAN OF IOWA, INC. | $4K | — | $4K | 0.06% |
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BENEFIT SOLUTIONS | 18940 N PIMA ROAD, SUITE 210 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $59K | — | $59K | 5.66% |
| FST ASSOCIATES INC3 | DBA LAURUS STRATEGIES 55 W MONROE ST. STE 500 CHICAGO, IL 60603 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $30K | $30K | 2.90% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 60604 | SUN LIFE ASSURANCE COMPANY OF CANADA | $30K | — | $30K | 2.86% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD 14A CHICAGO, IL 60604 | RELIASTAR LIFE INSURANCE COMPANY | $27K | — | $27K | 7.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD 14A CHICAGO, IL 60604 | RELIASTAR LIFE INSURANCE COMPANY | $3K | — | $3K | 0.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SPECTERA, INC. EIN 52-1260282 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $7K |
| NO BROKER BROKER | Other commissions Service code 55 | — | $0 |
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 | 794 | 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) | 794 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK HEALTH PLAN OF IOWA, INC. | 765 | $5.9M |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 794 | $1.4M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 794 | $357K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 794 | $357K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 794 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.