| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRANK BERLIN & ASSOCIATES7 Filed as: FRANK BERLIN & ASSOC. | 4949 WESTOWN PKWY, STE 200 WEST DES MOINES, IA 50266 | LIFE INSURANCE COMPANY OF N. AMERICA | $16K | $198 | $16K | 7.59% |
| FRANK BERLIN & ASSOCIATES7 Filed as: FRANK BERLIN & ASSOC. | 4949 WESTOWN PKWY, STE 200 WEST DES MOINES, IA 50266 | LIFE INSURANCE COMPANY OF N. AMERICA | $0 | $689 | $689 | 0.88% |
| FRANK BERLIN & ASSOCIATES7 Filed as: FRANK BERLIN & ASSOC. | 4949 WESTOWN PKWY, STE 200 WEST DES MOINES, IA 50266 | LIFE INSURANCE COMPANY OF N. AMERICA | $3K | $376 | $3K | 8.44% |
| FRANK BERLIN & ASSOCIATES7 Filed as: FRANK BERLIN & ASSOC. | 4949 WESTOWN PKWY, STE 200 WEST DES MOINES, IA 50266 | LIFE INSURANCE COMPANY OF N. AMERICA | $0 | $300 | $300 | 0.97% |
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 | 838 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 844 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS & BLUE SHIELD OF IOWA | 662 | $4.4M |
| Dental | DELTA DENTAL OF IOWA | 568 | $374K |
| Vision | VERATRUS BUSINESS SOLUTIONS | 429 | $72K |
| Life insurance | LIFE INSURANCE COMPANY OF N. AMERICA | 795 | $215K |
| Short-term disability | LIFE INSURANCE COMPANY OF N. AMERICA | 523 | $78K |
| Long-term disability | LIFE INSURANCE COMPANY OF N. AMERICA | 265 | $31K |
| Stop-loss / reinsurancereinsurance | WELLMARK BLUE CROSS & BLUE SHIELD OF IOWA | 662 | $4.4M |
| Other | LIFE INSURANCE COMPANY OF N. AMERICA | 795 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 795 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.