| 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 | $1K | $7K | 6.97% |
| MMGRI LLC3 | 4500 WESTOWN PARKWAY STE. 150 WEST DES MOINES, IA 50266 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $36K | — | $36K | 54.82% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: TWO RIVERS INSURANCE SERVICES | 214 N MAIN ST BURLINGTON, IA 52601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 20.00% |
| 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 | $588 | — | $588 | 2.48% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: TWO RIVERS INS COMPANY INC | 214 N MAIN ST BURLINGTON, IA 52601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $806 | $118 | $924 | 14.61% |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 299 | $2.1M |
| Dental | DELTA DENTAL OF IOWA | 253 | $99K |
| Vision | AMERITAS LIFE INSURANCE CORP | 492 | $24K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 298 | $6K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 173 | $66K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 298 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 492 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.