| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REYNOLDS & REYNOLDS INC3 | 300 WALNUT ST #200 DES MOINES, IA 50309 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 3.49% |
| REYNOLDS & REYNOLDS INC3 | 300 WALNUT ST #200 DES MOINES, IA 50309 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $817 | $3K | 19.96% |
| BENEUSA LLC3 | 1851 LAKE DR W #350 CHANHASSEN, MN 55317 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $824 | $824 | 5.00% |
| REYNOLDS & REYNOLDS INC3 | 300 WALNUT ST #200 DES MOINES, IA 50309 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $668 | $3K | 19.91% |
| BENEUSA LLC3 | 1851 LAKE DR W #350 CHANHASSEN, MN 55317 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $680 | $680 | 5.00% |
| REYNOLDS & REYNOLDS INC3 | 300 WALNUT ST #200 DES MOINES, IA 50309 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $529 | $2K | 19.69% |
| BENEUSA LLC3 | 1851 LAKE DR W #350 CHANHASSEN, MN 55317 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $565 | $565 | 5.00% |
| REYNOLDS & REYNOLDS INC3 | 300 WALNUT ST #200 DES MOINES, IA 50309 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $518 | $2K | 19.85% |
| BENEUSA LLC3 | 1851 LAKE DR W #350 CHANHASSEN, MN 55317 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $534 | $534 | 5.00% |
| SELECT NETWORKS5 | 317 6TH AVENUE, SUITE 1440 DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 11.00% |
| REYNOLDS & REYNOLDS INC5 | 300 WALNUT ST #200 DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
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 | 97 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 99 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | WELLMARK, INC | 106 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 272 | $98K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 140 | $10K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 92 | $22K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 92 | $16K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 93 | $14K |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 92 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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.