| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: WELLMARK BLUE CROSS AND BLUE SHIELD | — | WELLMARK BLUE CROSS BLUE SHIELD OF IOWA | $0 | $56K | $56K | 2.76% |
| TFB GROUP SERVICES LLC3 Filed as: TFB GROUP SERVICES | 4801 W 110TH STREET SUITE 200 OVERLAND PARK, KS 66211 | DELTA DENTAL OF IOWA | $18K | $0 | $18K | 10.10% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 199 SCOTT ST BUFFALO, NY 14204 | DELTA DENTAL OF IOWA | $685 | — | $685 | 0.39% |
| TFB GROUP SERVICES LLC3 | CORPORATE OFFICE 4801 W 110TH ST STE 200 OVERLAND PARK, KS 66211 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | — | $11K | 9.67% |
| TFB GROUP SERVICES LLC3 Filed as: TFB GROUP SERVICES | PO BOX 7190 SHAWNEE MISSION, KS 66207 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 11.45% |
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 | 665 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 665 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS BLUE SHIELD OF IOWA | 184 | $2.0M |
| Dental | DELTA DENTAL OF IOWA | 192 | $176K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 665 | $38K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 620 | $112K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 620 | $112K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 620 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 665 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.