| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KIERNAN BENEFIT SOLUTIONS3 | 4801 W 110TH STREET SUITE 200 OVERLAND PARK, KS 66211 | DELTA DENTAL OF IOWA | $6K | $963 | $7K | 5.24% |
| SELECT BNFT SOLUTION LLC3 Filed as: SELECT BENEFIT SOLUTIONS LLC | 1910 E KIMBERLY RD STE 316 DAVENPORT, IA 528072033 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | 8.54% |
| MUTUAL MED INSURANCE SERVICES3 Filed as: MUTUAL MED INSURANCE SERVICES LLC | 4321 E 60TH STREET DAVENPORT, IA 528072033 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $907 | $3K | 3.49% |
| TFB GROUP SERVICES LLC3 Filed as: TFB GROUP SERVIE | CORPORATE OFFICE 4801 W 110TH ST STE 200 OVERLAND PARK, KS 66211 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.35% |
| W K MCGREEVY AGENCY INC3 | 3500 S KIWANIS AVE STE 101 SIOUX FALLS, SD 57105 | WELLMARK BLUE CROSS BLUE SHIELD OF IOWA | $60K | — | $60K | — |
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 | 598 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 598 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS BLUE SHIELD OF IOWA | 186 | $0 |
| Dental | DELTA DENTAL OF IOWA | 178 | $132K |
| Vision | DELTA DENTAL OF IOWA | 178 | $132K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 598 | $95K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 598 | $95K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 598 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 598 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.