| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PRISMA LLC3 | 1501 INGERSOLL AVE STE 100 DES MOINES, IA 50309 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 3.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 9850 NW 41ST ST STE 100 DORAL, FL 33178 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.75% |
| PRISMA LLC3 | 1501 INGERSOLL AVE STE 200 DES MOINES, IA 50309 | SYMETRA LIFE INSURANCE COMPANY | $11K | $3K | $14K | 9.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W BIG BEAVER RD TROY, MI 48084 | SYMETRA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.46% |
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 | 256 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 225 | $3.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 417 | $156K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 417 | $156K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 256 | $146K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 256 | $146K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 256 | $146K |
| Prescription drug | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 225 | $3.1M |
| Other | SYMETRA LIFE INSURANCE COMPANY | 256 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 417 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.