| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DONALD EVERETT LASTER3 Filed as: DONALD E LASTER | 6701 WESTOWN PKWY STE 20 WEST DES MONIES, IA 502667706 | PRINCIPAL LIFE INSURANCE COMPANY | $15K | $3K | $18K | 7.98% |
| JENNIFER SMITH3 | 4019 INGERSOLL AVE DES MOINES, IA 503122710 | PRINCIPAL LIFE INSURANCE COMPANY | $15K | — | $15K | 6.52% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92516 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 2.51% |
| GARRY L JOHNSON & ASSOCIATES INC3 Filed as: GARRY L JOHNSON | 3850 E BASELINE RD STE 121 MESA, AZ 852064404 | PRINCIPAL LIFE INSURANCE COMPANY | — | $4K | $4K | 1.76% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS GREAT PLAINS LLC | 4200 UNIVERSITY AVE #200 WEST DES MOINES, IA 50266 | DELTA DENTAL OF IOWA | $2K | — | $2K | 3.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD CHICAGO, IL 60604 | DELTA DENTAL OF IOWA | $2K | — | $2K | 2.27% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS GREAT PLAINS LLC | 4200 UNIVERSITY AVE #200 WEST DES MOINES, IA 50266 | VERATRUS BENEFIT SOLUTIONS | $697 | — | $697 | 5.89% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD CHICAGO, IL 60604 | VERATRUS BENEFIT SOLUTIONS | $486 | — | $486 | 4.11% |
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 | 142 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WELLMARK BLUE CROSS BLUE SHIELD OF IOWA | 65 | $1.3M |
| Dental | DELTA DENTAL OF IOWA | 97 | $74K |
| Vision | VERATRUS BENEFIT SOLUTIONS | 69 | $12K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 209 | $230K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 209 | $230K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 209 | $230K |
| Prescription drug(2 contracts, 2 carriers) | WELLMARK BLUE CROSS BLUE SHIELD OF IOWA | 65 | $1.3M |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 209 | $230K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.