| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REYNOLDS & REYNOLDS INC3 | THE PLAZA, STE 200 DES MOINES, IA 50309 | WELLMARK, INC | $16K | — | $16K | 3.04% |
| REYNOLDS & REYNOLDS INC | THE PLAZA, STE 200 DES MOINES, IA 50309 | WELLMARK, INC | $17K | — | $17K | 3.94% |
| REYNOLDS & REYNOLDS INC3 | 300 WALNUT ST, STE 200 DES MOINES, IA 50309 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $61 | $3K | 3.68% |
| REYNOLDS & REYNOLDS INC3 | 300 WALNUT ST, STE 200 DES MOINES, IA 50309 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $802 | $3K | 19.86% |
| BENEUSA LLC3 | 1851 LAKE DR W #350 CHANHASSEN, MN 55317 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $825 | $825 | 5.00% |
| REYNOLDS & REYNOLDS INC3 | 300 WALNUT ST, STE 200 DES MOINES, IA 50309 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $624 | $3K | 19.75% |
| BENEUSA LLC3 | 1851 LAKE DR W #350 CHANHASSEN, MN 55317 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $657 | $657 | 5.00% |
| REYNOLDS & REYNOLDS INC3 | 300 WALNUT ST, STE 200 DES MOINES, IA 50309 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $525 | $2K | 19.81% |
| BENEUSA LLC3 | 1851 LAKE DR W #350 CHANHASSEN, MN 55317 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $546 | $546 | 5.00% |
| REYNOLDS & REYNOLDS INC3 | 300 WALNUT ST, STE 200 DES MOINES, IA 50309 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $425 | $2K | 20.24% |
| BENEUSA LLC3 | 1851 LAKE DR W #350 CHANHASSEN, MN 55317 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
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 | 121 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | WELLMARK, INC | 55 | $966K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 366 | $90K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 120 | $19K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 120 | $16K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 120 | $13K |
| Prescription drug(2 contracts) | WELLMARK, INC | 55 | $966K |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 120 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 366 | — |
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.