| 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 | VISION SERVICE PLAN | — | $31K | $31K | 14.50% |
| KEELER & ASSOCIATES3 | 211 S 23RD STREET PLATTSMOTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18K | — | $18K | 8.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 300 CHERAPA PLACE STE 601 SIOUX FALLS, SD 57103 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15K | — | $15K | 7.59% |
| SHAWN J KEELER3 | 211 S 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 2.54% |
| TRION GROUP, INC.3 Filed as: TRION GROUP | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $1K | $1K | 0.50% |
| ANTHONY C BUECHLER3 | 13811 S 50TH ST PAPILLION, NE 68133 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $72 | — | $72 | 0.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WELLMARK BLUE CROSS AND BLUE SHEILD EIN 42-0318333 INSURANCE PROVIDER | Contract Administrator; Claims processing Service code 12 | — | $630K |
| DELTA DENTAL OF IOWA EIN 42-0959302 INSURANCE PROVIDER | Contract Administrator Service code 13 | — | $66K |
| HOWALT & MCDOWELL INSURANCE EIN 36-1436000 INSURANCE BROKER | Insurance agents and brokers Service code 22 | 300 NORTH CHERAPA PLACE SIOUX FALLS, SD 57103 | $29K |
| DISCOVERY BENEFITS, LLC EIN 90-0058554 COBRA ADMINISTRATOR | Contract Administrator Service code 13 | — | $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 | 1,025 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 22 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,053 | 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. | 1,042 | $10.5M |
| Dental | DELTA DENTAL OF IOWA | 1,046 | $637K |
| Vision | VISION SERVICE PLAN | 825 | $213K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,266 | $210K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,266 | $171K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,266 | $83K |
| Stop-loss / reinsurancereinsurance | WELLMARK HEALTH PLAN OF IOWA, INC. | 1,042 | $10.3M |
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 507 | $203K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,266 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.