| 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 | $8K | $697 | $9K | 19.22% |
| BHERD, LLC3 Filed as: BHERD | 1956 PARK AVE DES MOINES, IA 50315 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 5.91% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS LLC | 4200 UNIVERSITY AVE. #200 WEST DES MOINES, IA 50266 | DELTA DENTAL OF IOWA | $883 | $38 | $921 | 6.26% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS | 4200 UNIVERSITY AVE. #200 WEST DES MOINES, IA 50266 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $754 | $63 | $817 | 15.39% |
| BHERD, LLC3 | 1956 PARK AVE DES MOINES, IA 50315 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $251 | $251 | 4.73% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS LLC | 4200 UNIVERSITY AVE. #200 WEST DES MOINES, IA 50266 | VERATRUS BENEFIT SOLUTIONS | $493 | — | $493 | 10.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS, LLC | 4200 UNIVERSITY AVENUE SUITE 200 WEST DES MOINES, IA 502665945 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $473 | $134 | $607 | 19.23% |
| BHERD, LLC3 | 1956 PARK AVE DES MOINES, IA 50315 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $158 | — | $158 | 5.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS, LLC | 4200 UNIVERSITY AVENUE SUITE 200 WEST DES MOINES, IA 502665945 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $271 | $93 | $364 | 20.13% |
| BHERD, LLC3 | 1956 PARK AVE DES MOINES, IA 50315 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $90 | — | $90 | 4.98% |
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 | 100 | 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) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF IOWA | 51 | $15K |
| Vision | VERATRUS BENEFIT SOLUTIONS | 51 | $5K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 100 | $52K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 100 | $47K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 100 | $47K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 100 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 100 | — |
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.