| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TAYLOR, LAYNE C3 | 8525 DOUGLAS AVE SUITE 47 DES MOINES, IA 50322 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $15K | $10K | $25K | 6.78% |
| TAYLORED BENEFITS INC3 Filed as: TAYLORED BENEFITS | 8525 DOUGLAS AVE SUITE 47 DES MOINES, IA 50322 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | $7K | $20K | 7.91% |
| GROUP BENEFITS LTD3 | 12006 RIDGEMONT DR URBANDALE, IA 503232317 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 2.00% |
| TAYLOR, LAYNE C3 | 8525 DOUGLAS AVE SUITE 47 DES MOINES, IA 50322 | RELIANCE STANDARD LIFE INSURANCE CMPANY | $28K | $7K | $34K | 14.91% |
| TAYLORED BENEFITS INC3 | 8525 DOUGLAS AVE SUITE 47 DES MOINES, IA 50323 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $2K | $12K | 14.61% |
| LAYNE TAYLOR3 | 8525 DOUGLAS AVE SUITE 47 URBANDALE, IA 50322 | RELIANCE STANDARD LIFE INSURANCE COMPANT | $4K | $1K | $5K | 13.05% |
| LAYNE TAYLOR3 | 8525 DOUGLAS AVE SUITE 47 URBANDALE, IA 50322 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $1K | $5K | 12.89% |
| TAYLORED BENEFITS INC3 | 8525 DOUGLAS AVE SUITE 47 DES MOINES, IA 50323 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $953 | $5K | 14.99% |
| LAYNE TAYLOR3 | 8525 DOUGLAS AVE SUITE 47 URBANDALE, IA 50323 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $324 | $1K | 12.95% |
| LAYNE TAYLOR3 | 8525 DOUGLAS AVE SUITE 47 URBANDALE, IA 50322 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $599 | $184 | $783 | 13.07% |
| LAYNE TAYLOR3 | 8525 DOUGLAS AVE SUITE 47 URBANDALE, IA 50322 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $362 | $107 | $469 | 12.96% |
| TAYLORED BENEFITS INC3 | 8525 DOUGLAS AVE SUITE 47 DES MOINES, IA 50323 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $98 | $98 | 2.89% |
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 | 942 | 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) | 942 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 942 | $645K |
| Short-term disability(6 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 227 | $181K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 595 | $289K |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 942 | $408K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 942 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.