| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL H SOENER3 | SUITE 200 1245 JORDAN CREEK PARKWAY WEST DES MOINES, IA 50266 | NORTHWESTERN MUTUAL | $1K | $271 | $1K | 4.94% |
| BRIAN PATRICK CARLSON3 | SUITE 342 4601 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | NORTHWESTERN MUTUAL | $1K | $271 | $1K | 4.94% |
| ERHARD FINANCIAL INC3 | SUITE 200 1245 JORDAN CREEK PARKWAY WEST DES MOINES, IA 50266 | NORTHWESTERN MUTUAL | $307 | $37 | $344 | 1.31% |
| KALVIN MICHAEL GRABAU KEELE3 | SUITE 342 4601 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | NORTHWESTERN MUTUAL | $102 | $37 | $139 | 0.53% |
| AXION RMS LTD3 | 2651 WARRENVILLE ROAD SUITE 200 DOWNERS GROVE, IL 60515 | VERATRUS BENEFIT SOLUTIONS | $1K | — | $1K | 7.47% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | VERATRUS BENEFIT SOLUTIONS | $542 | — | $542 | 2.82% |
| PAUL H SOENER3 | SUITE 200 1245 JORDAN CREEK PARKWAY WEST DES MOINES, IA 50266 | NORTHWESTERN MUTUAL | $1K | $334 | $2K | 9.00% |
| BRIAN PATRICK CARLSON3 | SUITE 342 4601 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | NORTHWESTERN MUTUAL | $1K | $334 | $2K | 9.00% |
| ERHARD FINANCIAL INC3 | SUITE 200 1245 JORDAN CREEK PARKWAY WEST DES MOINES, IA 50266 | NORTHWESTERN MUTUAL | $378 | $45 | $423 | 2.39% |
| KALVIN MICHAEL GRABAU KEELE3 | SUITE 342 4601 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | NORTHWESTERN MUTUAL | $126 | $45 | $171 | 0.97% |
| PAUL H SOENER3 | SUITE 200 1245 JORDAN CREEK PARKWAY WEST DES MOINES, IA 50266 | NORTHWESTERN MUTUAL | $525 | $139 | $664 | 6.98% |
| BRIAN PATRICK CARLSON3 | SUITE 342 4601 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | NORTHWESTERN MUTUAL | $525 | $139 | $664 | 6.98% |
| ERHARD FINANCIAL INC3 | SUITE 200 1245 JORDAN CREEK PARKWAY WEST DES MOINES, IA 50266 | NORTHWESTERN MUTUAL | $158 | $19 | $177 | 1.86% |
| KALVIN MICHAEL GRABAU KEELE3 | SUITE 342 4601 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | NORTHWESTERN MUTUAL | $53 | $19 | $72 | 0.76% |
| AXION RMS LTD3 | 2651 WARRENVILLE ROAD SUITE 200 DOWNERS GROVE, IL 60515 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| AXION RMS LTD3 | 2651 WARRENVILLE ROAD SUITE 200 DOWNERS GROVE, IL 60515 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALITY BENEFITS | 1828 WALNUT STREET SUITE 801 KANSAS CITY, MO 64108 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 26.55% |
| AXION RMS LTD3 | 2651 WARRENVILLE ROAD SUITE 200 DOWNERS GROVE, IL 60515 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $996 | — | $996 | 20.00% |
| AXION RMS LTD3 | 2651 WARRENVILLE ROAD SUITE 200 DOWNERS GROVE, IL 60515 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $827 | — | $827 | 20.00% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALITY BENEFITS | 1828 WALNUT STREET SUITE 801 KANSAS CITY, MO 64108 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $784 | — | $784 | 19.29% |
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 | 161 | 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) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 136 | $1.7M |
| Vision | VERATRUS BENEFIT SOLUTIONS | 132 | $19K |
| Life insurance(3 contracts, 2 carriers) | NORTHWESTERN MUTUAL | 161 | $40K |
| Short-term disability(2 contracts, 2 carriers) | NORTHWESTERN MUTUAL | 51 | $14K |
| Long-term disability(2 contracts, 2 carriers) | NORTHWESTERN MUTUAL | 160 | $27K |
| Prescription drug | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 136 | $1.7M |
| Other(6 contracts, 4 carriers) | NORTHWESTERN MUTUAL | 161 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.