| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 300 WALNUT ST STE. 200 DES MOINES, IA 50309 | HEALTHPARTNERS | — | $44K | $44K | 6.94% |
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS & REYNOLDS, INC. | 300 WALNUT ST. STE. 200 DES MOINES, IA 50309 | HEALTHPARTNERS | $107 | $8K | $8K | 1.32% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE VALHALLA, NY 10595 | DELTA DENTAL OF IOWA | $9K | $826 | $10K | 7.36% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 300 WALNUT ST 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $1K | $7K | 17.90% |
| BENEUSA LLC3 | PO BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 300 WALNUT ST SUITE 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $815 | $3K | 11.99% |
| BENEUSA LLC3 | PO BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| USI INSURANCE SERVICES LLC5 Filed as: USI INSURANCE SERVICES | 300 WALNUT STREET SUITE 200 DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 300 WALNUT ST. 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $709 | $4K | 18.06% |
| BENEUSA LLC3 | PO BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INUSRANCE SERVICES | 300 WALNUT ST 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $693 | $4K | 18.30% |
| BENEUSA LLC3 | PO BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 300 WALNUT ST 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $269 | $62 | $331 | 18.47% |
| BENEUSA LLC3 | PO BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $90 | $90 | 5.02% |
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 | 429 | 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) | 429 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS | 395 | $636K |
| Dental | DELTA DENTAL OF IOWA | 290 | $134K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 364 | $24K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 429 | $52K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 123 | $37K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 130 | $21K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 429 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 429 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.