| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS & REYNOLDS, INC. | THE PLAZA, STE 200 DES MOINES, IA 50309 | WELLMARK, INC | $21K | — | $21K | 3.86% |
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS & REYNOLDS, INC. | THE PLAZA, STE 200 DES MOINES, IA 50309 | WELLMARK, INC | $16K | — | $16K | 3.33% |
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS & REYNOLDS, INC. | 300 WALNUT ST STE 200 DES MOINES, IA 50309 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $40 | $3K | 3.67% |
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS & REYNOLDS, INC. | 300 WALNUT ST STE 200 DES MOINES, IA 50309 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $731 | $3K | 19.21% |
| BENEUSA LLC3 | 1851 LAKE DR W #350 CHANHASSEN, MN 55317 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $868 | $868 | 5.00% |
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS & REYNOLDS, INC. | 300 WALNUT ST STE 200 DES MOINES, IA 50309 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $564 | $3K | 19.18% |
| BENEUSA LLC3 | 1851 LAKE DR W #350 CHANHASSEN, MN 55317 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $675 | $675 | 5.00% |
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS & REYNOLDS, INC. | 300 WALNUT ST STE 200 DES MOINES, IA 50309 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $517 | $2K | 19.48% |
| BENEUSA LLC3 | 1851 LAKE DR W #350 CHANHASSEN, MN 55317 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $577 | $577 | 5.00% |
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS & REYNOLDS, INC. | 300 WALNUT ST STE 200 DES MOINES, IA 50309 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $313 | $2K | 18.38% |
| BENEUSA LLC3 | 1851 LAKE DR W #350 CHANHASSEN, MN 55317 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $462 | $462 | 5.00% |
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 | 127 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | WELLMARK, INC | 61 | $1.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 431 | $89K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 125 | $21K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 125 | $17K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 125 | $13K |
| Prescription drug(2 contracts) | WELLMARK, INC | 61 | $1.0M |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 125 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 431 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.