| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: TWO RIVERS INSURANCE SERVICES | 214 N MAIN STREET BURLINGTON, IA 52601 | DELTA DENTAL OF IOWA | $5K | $2K | $6K | 7.61% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: TWO RIVERS INSURANCE SERVICES | 214 N MAIN ST BURLINGTON, IA 52601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 20.00% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: TWO RIVERS INSURANCE SERVICES | 214 N MAIN ST BURLINGTON, IA 52601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 14.80% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: TWO RIVERS INSURANCE CO INC | 214 N MAIN ST BURLINGTON, IA 52601 | AMERITAS LIFE INSURANCE CORP | $2K | — | $2K | 10.01% |
| MUTUAL MED INS SERVICES LLC3 | 4321 E 60TH ST DAVENPORT, IA 52807 | AMERITAS LIFE INSURANCE CORP | $474 | — | $474 | 2.59% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: TWO RIVERS INSURANCE SERVICES | 214 N MAIN ST BURLINGTON, IA 52601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $674 | — | $674 | 10.00% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: TWO RIVERS INSURANCE COMPANY INC | 215 N MAIN ST STE 700 DAVENPORT, IA 52801 | AFLAC | $200 | — | $200 | 7.44% |
| RICHARD L HALL3 | 1608 SUMMER ST BURLINGTON, IA 52601 | AFLAC | $34 | — | $34 | 1.26% |
| SHERRI L KALB3 | 27 S 14TH STREET KEOKUK, IA 52632 | AFLAC | $32 | — | $32 | 1.19% |
| DONNA R WATSON3 | 876 TANGLEFOOT LN BETTENDORF, IA 52722 | AFLAC | $29 | — | $29 | 1.08% |
| MITCHELL J MCCALL3 | 1620 WILLINGTON APT 1101 BEAUMONT, TX 77706 | AFLAC | $18 | — | $18 | 0.67% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DR STE 102 URBANDALE, IA 50322 | AFLAC | $13 | — | $13 | 0.48% |
| NANCY A BALLINGER3 | PO BOX 1252 KEOKUK, IA 52632 | AFLAC | $4 | — | $4 | 0.15% |
| BARRY CAMPBELL3 | 2798 COUNTY ROAD 80 ALGER, OH 45812 | AFLAC | $4 | — | $4 | 0.15% |
| RICHARD R KIMBROUGH3 | 1972 MUIRFIELD WAY SE PALM BAY, FL 32909 | AFLAC | $4 | — | $4 | 0.15% |
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 | 293 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 296 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 242 | $1.7M |
| Dental | DELTA DENTAL OF IOWA | 209 | $84K |
| Vision | AMERITAS LIFE INSURANCE CORP | 404 | $18K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 240 | $7K |
| Prescription drug | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 242 | $1.7M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 240 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 404 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.