| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT SOLUTIONS INC3 | 425 2ND STREET SOUTHEAST SUITE 1150 CEDAR RAPIDS, IA 52401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 7.37% |
| BENEFIT SOLUTIONS INC3 Filed as: BENEFIT SOLUTIONS INC. | 425 2ND STREET SOUTHEAST SUITE 1150 CEDAR RAPIDS, IA 52401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 5.37% |
| BENEFIT SOLUTIONS INC3 | 425 2ND STREET SOUTHEAST SUITE 1150 CEDAR RAPIDS, IA 52401 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 22.68% |
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 | 473 | 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) | 473 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 388 | $53K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 563 | $100K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 423 | $67K |
| Stop-loss / reinsurancereinsurance | WELLMARK BLUECROSS AND BLUE SHIELD OF IOWA | 393 | $261K |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 563 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 563 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.