| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 | 800 MAIN STREET DUBUQUE, IA 52001 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $15K | — | $15K | 1.58% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS GREAT PLAINS, LLC | 4200 UNIVERSITY AVENUE, STE 200 WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $1K | $7K | 15.79% |
| BHERD, LLC3 | 1956 PARK AVENUE DES MOINES, IA 50315 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 3.70% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS GREAT PLAINS, LLC | 4200 UNIVERSITY AVENUE, STE 200 WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $737 | $6K | 17.02% |
| BHERD, LLC3 | 1956 PARK AVENUE DES MOINES, IA 50315 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| BROKERAGE SOLUTIONS INC3 | 3979 PARK TOWN CT NE CEDAR RAPIDS, IA 52402 | STANDARD INSURANCE COMPANY | $39 | — | $39 | 7.88% |
| SCOTT A ANDERSON4 | ANDERSON FINANCIAL SERVICES INC 4840 NORTH RIVER BLVD NE, STE #200 CEDAR RAPIDS, IA 52411 | STANDARD INSURANCE COMPANY | $32 | — | $32 | 6.46% |
| THOMAS L PETSCHE3 | 3979 PARK TOWN CT NE CEDAR RAPIDS, IA 52402 | STANDARD INSURANCE COMPANY | $8 | — | $8 | 1.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SISCO (COTTINGHAM & BUTLER TPA) TPA & CONSULTANT | Claims processing; Insurance agents and brokers; Account maintenance fees; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 800 MAIN STREET DUBUQUE, IA 52001 | $7K |
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 | 101 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 102 | 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 | 86 | $958K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 100 | $78K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 100 | $41K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 100 | $42K |
| Prescription drug(2 contracts, 2 carriers) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 86 | $958K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 86 | $958K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 100 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 100 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.