| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH RISK PARTNERS LLC3 | 1055 LONGFELLOW DR STE B HIAWATHA, IA 52233 | UNITEDHEALTHCARE INSURANCE COMPANY | $25K | — | $25K | 6.01% |
| NORTH RISK PARTNERS LLC3 | 2048 SUPERIOR DRIVE NORTHWEST ROCHESTER, MN 55901 | DELTA DENTAL OF IOWA | $2K | $138 | $2K | 3.80% |
| NORTH RISK PARTNERS LLC3 | 2048 SUPERIOR DRIVE NORTHWEST SUITE 100 ROCHESTER, MN 59901 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 9.38% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W.VEVA 16 BLUE BELL, PA 19422 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.24% |
| NORTH RISK PARTNERS LLC3 | 2048 SUPERIOR DRIVE NORTHWEST SUITE 100 ROCHESTER, MN 59901 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 13.62% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W.VEVA 16 BLUE BELL, PA 19422 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 5.25% |
| WARE GROUP GENERAL AGENCIES3 | — | ASSURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 13.37% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS | — | ASSURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 13.32% |
| MATTHEW STEVEN REDNOUR3 | — | ASSURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 9.04% |
| BRADDEN PROBST3 Filed as: BRADDEN JOHN PROBST | — | ASSURITY LIFE INSURANCE COMPANY | $452 | — | $452 | 3.65% |
| MICHAEL PETERS & ASSOCIATES, INC.3 Filed as: MICHAEL PETERS & ASSOCIATES INC | — | ASSURITY LIFE INSURANCE COMPANY | $98 | — | $98 | 0.79% |
| NORTH RISK PARTNERS LLC3 | 2048 SUPERIOR DRIVE NORTHWEST SUITE 100 ROCHESTER, MN 59901 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W.VEVA 16 BLUE BELL, PA 19422 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $470 | — | $470 | 5.00% |
| NORTH RISK PARTNERS LLC3 | 2048 SUPERIOR DR NW STE 100 ROCHESTER, MN 55901 | DELTA DENTAL OF IOWA | $828 | — | $828 | 10.00% |
| NORTH RISK PARTNERS LLC3 | 2048 SUPERIOR DRIVE NORTHWEST SUITE 100 ROCHESTER, MN 59901 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $304 | — | $304 | 10.99% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W.VEVA 16 BLUE BELL, PA 19422 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $142 | — | $142 | 5.13% |
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 | 97 | 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) | 97 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 59 | $422K |
| Dental | DELTA DENTAL OF IOWA | 66 | $46K |
| Vision | DELTA DENTAL OF IOWA | 62 | $8K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 99 | $12K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 97 | $30K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 97 | $23K |
| Other(3 contracts, 2 carriers) | ASSURITY LIFE INSURANCE COMPANY | 99 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 99 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.