| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 212 BRADY ST 4B DAVENPORT, IA 52801 | WELLMARK HEALTH PLAN OF IOWA | $17K | — | $17K | 1.39% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 212 BRADY ST 4B DAVENPORT, IA 52801 | WELLMARK BLUE CROSS BLUE SHIELD OF IOWA | $11K | — | $11K | 1.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD CHICAGO, IL 60604 | DELTA DENTAL OF IOWA | $9K | $637 | $10K | 10.58% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 Filed as: PEDERSEN, DOWIE, CLABBY &MCCAUSLAND | 3022 AIRPORT BLVD PO 2597 WATERLOO, IA 50703 | DELTA DENTAL OF IOWA | — | $1K | $1K | 1.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL IOWA LLC | 15162 COLLECTIONS CENTER DR CHICAGO, IL 60693 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | — | $12K | 15.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL IOWA LLC | 15162 COLLECTIONS CENTER DR CHICAGO, IL 60693 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL IOWA LLC | 15162 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL IOWA LLC | 104 W 2ND ST 1 DAVENPORT, IA 52804 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $992 | — | $992 | 5.00% |
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 | 264 | 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) | 264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WELLMARK HEALTH PLAN OF IOWA | 86 | $2.2M |
| Dental | DELTA DENTAL OF IOWA | 154 | $95K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 264 | $20K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 176 | $49K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 174 | $79K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 69 | $49K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 176 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 264 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.