| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 300 WALNUT STREET, SUITE 200 DES MOINES, IA 50309 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $57 | $2K | 1.66% |
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS AND REYNOLDS, INC. | 300 WALNUT STREET, SUITE 200 DES MOINES, IA 50309 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $2 | $2K | 1.19% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $989 | $989 | 0.74% |
| LOCKTON COMPANIES, LLC3 | 3 EMBARCADERO CENTER, SUITE 609 SAN FRANCISCO, CA 94111 | METROPOLITAN LIFE INSURANCE COMPANY | $208 | $0 | $208 | 0.15% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $149 | $149 | 0.11% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $128 | $128 | 0.10% |
| USI INSURANCE SERVICES LLC3 | 300 WALNUT STREET, SUITE 200 DES MOINES, IA 50309 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 11.06% |
| BENEUSA LLC3 | PO BOX 1240 WATERTOWN, MN 55388 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 5.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 3.65% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.79% |
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS AND REYNOLDS, INC. | 300 WALNUT STREET, SUITE 200 DES MOINES, IA 50309 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $68 | $1K | 1.23% |
| SELECT NETWORKS3 | 317 6TH AVENUE, SUITE 1440 DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 11.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 8900 SHELAND PARKWAY, SUITE 340 MINNEAPOLIS, MN 55441 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.82% |
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS AND REYNOLDS, INC. | 300 WALNUT STREET, SUITE 200 DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $527 | $0 | $527 | 2.38% |
| LOCKTON COMPANIES, LLC3 | 3 EMBARCADERO CENTER, SUITE 600 SAN FRANCISCO, CA 94111 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $401 | $0 | $401 | 1.81% |
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 | 225 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 156 | $1.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 501 | $134K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 356 | $22K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 221 | $88K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 221 | $88K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 221 | $88K |
| Prescription drug(2 contracts, 2 carriers) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 156 | $1.9M |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 221 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 501 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.