| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS | 4200 UNIVERSITY AVE. #200 WEST DES MOINES, IA 50266 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $439 | $6K | 11.76% |
| BHERD, LLC3 Filed as: BHERD | 1956 PARK AVE DES MOINES, IA 50315 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $929 | — | $929 | 1.92% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS CAPITAL INC | 4200 UNIVERSITY AVE. #200 WEST DES MOINES, IA 50266 | DELTA DENTAL OF IOWA | $968 | $41 | $1K | 6.26% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS, LLC | 4200 UNIVERSITY AVE. #200 WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $917 | — | $917 | 15.00% |
| BHERD, LLC3 | 1956 PARK AVE DES MOINES, IA 50315 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $229 | — | $229 | 3.75% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS CAPITAL INC | 4200 UNIVERSITY AVE. #200 WEST DES MOINES, IA 50266 | VERATRUS BENEFIT SOLUTIONS | $502 | — | $502 | 9.99% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS | 4200 UNIVERSITY AVE. #200 WEST DES MOINES, IA 50266 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $622 | $52 | $674 | 14.91% |
| BHERD, LLC3 | 1956 PARK AVE DES MOINES, IA 50315 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $131 | — | $131 | 2.90% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS, LLC | 4200 UNIVERSITY AVE. #200 WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $623 | — | $623 | 14.99% |
| BHERD, LLC3 | 1956 PARK AVE DES MOINES, IA 50315 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $155 | — | $155 | 3.73% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS, LLC | 4200 UNIVERSITY AVENUE SUITE 200 WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $152 | $96 | $248 | 24.43% |
| BHERD, LLC3 | 1956 PARK AVE DES MOINES, IA 50315 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $51 | — | $51 | 5.02% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS, LLC | 4200 UNIVERSITY AVENUE SUITE 200 WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $103 | $70 | $173 | 25.15% |
| BHERD, LLC3 | 1956 PARK AVE DES MOINES, IA 50315 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $34 | — | $34 | 4.94% |
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF IOWA | 52 | $16K |
| Vision | VERATRUS BENEFIT SOLUTIONS | 49 | $5K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 101 | $53K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 101 | $48K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 101 | $48K |
| Other(6 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 101 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 101 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.