| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 300 CHERAPA PLACE STE 601 SIOUX FALLS, SD 57103 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13K | — | $13K | 7.12% |
| KEELER & ASSOCIATES3 | 211 S 23RD STREET PLATTSMOTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | — | $10K | 5.55% |
| SHAWN J KEELER3 | 211 S 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | — | $10K | 5.29% |
| TRION GROUP, INC.3 Filed as: TRION GROUP | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $1K | $1K | 0.62% |
| ANTHONY C BUECHLER3 | 13811 S 50TH ST PAPILLION, NE 68133 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $75 | — | $75 | 0.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 300 CHERAPA PLACE STE 601 SIOUX FALLS, SD 57103 | VISION SERVICE PLAN | — | $25K | $25K | 15.54% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WELLMARK BLUE CROSS AND BLUE SHEILD EIN 42-0318333 INSURANCE PROVIDER | Claims processing; Contract Administrator Service code 12 | — | $513K |
| DELTA DENTAL OF IOWA EIN 42-0959302 INSURANCE PROVIDER | Contract Administrator Service code 13 | — | $57K |
| HOWALT & MCDOWELL INSURANCE EIN 36-1436000 INSURANCE BROKER | Insurance agents and brokers Service code 22 | 300 NORTH CHERAPA PLACE SIOUX FALLS, SD 57103 | $46K |
| DISCOVERY BENEFITS, LLC EIN 90-0058554 COBRA ADMINISTRATOR | Contract Administrator Service code 13 | — | $9K |
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 | 903 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 25 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 938 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WELLMARK HEALTH PLAN OF IOWA, INC. | 895 | $7.9M |
| Dental | DELTA DENTAL OF IOWA | 889 | $521K |
| Vision | VISION SERVICE PLAN | 700 | $162K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,547 | $180K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,119 | $218K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,119 | $101K |
| Stop-loss / reinsurancereinsurance | WELLMARK HEALTH PLAN OF IOWA, INC. | 895 | $7.7M |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 1,521 | $262K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,547 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.