| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH RISK PARTNERS LLC3 | 615 HORSESHOE DR STE G GRINNELL, IA 50112 | WELLMARK, INC. WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $31K | — | $31K | 5.49% |
| NORTH RISK PARTNERS LLC3 | 615 HORSESHOE DR STE G GRINNELL, IA 50112 | WELLMARK, INC. WELLMARK HEALTH PLAN OF IOWA | $12K | — | $12K | 5.25% |
| NORTH RISK PARTNERS LLC3 | 2048 SUPERIOR DRIVE NW ROCHESTER, MN 55901 | DELTA DENTAL OF IOWA | $9K | $937 | $10K | 11.02% |
| COTTINGHAM & BUTLER3 | P. O. BOX 28 DUBUQUE, IA 52004 | DELTA DENTAL OF IOWA | $0 | $42 | $42 | 0.05% |
| NORTH RISK PARTNERS LLC3 | 615 HORSESHOE DR STE G GRINNELL, IA 50112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| NORTH RISK PARTNERS LLC3 | 615 HORSESHOE DR STE G GRINNELL, IA 50112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| NORTH RISK PARTNERS LLC3 | 615 HORSESHOE DR STE G GRINNELL, IA 50112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 20.00% |
| NORTH RISK PARTNERS LLC3 | 615 HORSESHOE DR STE G GRINNELL, IA 50112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| NORTH RISK PARTNERS LLC3 | 615 HORSESHOE DR STE G GRINNELL, IA 50112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $488 | $0 | $488 | 10.00% |
| NORTH RISK PARTNERS LLC3 | 615 HORSESHOE DR STE G GRINNELL, IA 50112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $318 | $0 | $318 | 10.01% |
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 | 181 | 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) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | WELLMARK, INC. WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 93 | $820K |
| Dental | DELTA DENTAL OF IOWA | 128 | $92K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 181 | $26K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 181 | $32K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 181 | $33K |
| Other(4 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 181 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.