| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC3 Filed as: LMC INSURANCE & RISK MANAGEMENT INC | 4200 UNIVERSITY AVE. #200 WEST DES MOINES, IA 50266 | WELLMARK HEALTH PLAN OF IOWA | $31K | — | $31K | 6.18% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: LMC INSURANCE & RISK MANAGEMENT INC | 4200 UNIVERSITY AVE. #200 WEST DES MOINES, IA 50266 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $12K | — | $12K | 7.48% |
| LAMAIR MULOCK CONDON CO3 | 4200 UNIVERSITY AVE. #200 WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $2K | $5K | 13.02% |
| EMPLOYER ADMINISTRATIVE SERVICES3 | 4200 UNIVERSITY AVE. #200 WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 6.86% |
| LAMAIR MULOCK CONDON CO3 | 4200 UNIVERSITY AVE. #200 WEST DES MOINES, IA 50266 | DELTA DENTAL OF IOWA | $1K | $90 | $1K | 6.45% |
| LAMAIR MULOCK CONDON CO3 | 4200 UNIVERSITY AVE. #200 WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $824 | $3K | 18.99% |
| EMPLOYER ADMINISTRATIVE SERVICES3 | 4200 UNIVERSITY AVE. #200 WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 6.86% |
| LAMAIR MULOCK CONDON CO3 | 4200 UNIVERSITY AVE. #200 WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $171 | $1K | 17.15% |
| LAMAIR MULOCK CONDON CO3 | 4200 UNIVERSITY AVE. #200 WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $301 | $1K | 19.20% |
| LAMAIR MULOCK CONDON CO3 | 4200 UNIVERSITY AVE. #200 WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $799 | $241 | $1K | 19.52% |
| LAMAIR MULOCK CONDON CO3 | 4200 UNIVERSITY AVE. #200 WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $414 | $182 | $596 | 15.83% |
| EMPLOYER ADMINISTRATIVE SERVICES3 | 4200 UNIVERSITY AVE. #200 WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $258 | $258 | 6.85% |
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 | 145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WELLMARK HEALTH PLAN OF IOWA | 75 | $662K |
| Dental | DELTA DENTAL OF IOWA | 93 | $20K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 145 | $4K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 146 | $35K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 145 | $18K |
| Prescription drug(2 contracts, 2 carriers) | WELLMARK HEALTH PLAN OF IOWA | 75 | $662K |
| Other(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 145 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.