| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT CONSULTANTS | 412 WATER STREET SIOUX CITY, IA 51103 | DELTA DENTAL OF IOWA | $2K | $625 | $2K | 4.25% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF IOWA | $1K | — | $1K | 2.18% |
| SYPERSMA, GINA3 Filed as: SYPERSMA GINA | 412 WATER STREET SIOUX CITY, IA 51103 | KANSAS CITY LIFE INSURANCE COMPANY | $5K | — | $5K | 9.76% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | KANSAS CITY LIFE INSURANCE COMPANY | $1K | — | $1K | 2.13% |
| SELECT NETWORKS3 | 317 6TH AVENUE DES MOINES, IA 50308 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 11.00% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT CONSULTANTS | 412 WATER STREET SIOUX CITY, IA 51103 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $930 | — | $930 | 5.90% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $646 | — | $646 | 4.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $105K |
| INNOVATIVE BENEFIT CONSULTANTS INC EIN 20-3051128 BROKER | Other commissions Service code 55 | — | $23K |
| LOCKTON COMPANIES, LLC EIN 20-3354970 BROKER | Other commissions Service code 55 | — | $6K |
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 | 236 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF IOWA | 192 | $59K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 178 | $16K |
| Life insurance | KANSAS CITY LIFE INSURANCE COMPANY | 236 | $53K |
| Short-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 236 | $53K |
| Long-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 236 | $53K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE COMPANY | 186 | $361K |
| Other | KANSAS CITY LIFE INSURANCE COMPANY | 236 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.