| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLMARK INC3 Filed as: WELLMARK HEALTH PLAN OF IOWA, INC | 1331 GRAND AVENUE DES MOINES, IA 50309 | WELLMARK HEALTH PLAN OF IOWA, INC | $63K | — | $63K | 2.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | DELTA DENTAL OF IOWA | $7K | $420 | $8K | 3.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES | 4200 CORPORATE DRIVE #106 WEST DES MOINES, IA 502665903 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $2K | $5K | 6.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES | 4200 CORPORATE DRIVE #106 WEST DES MOINES, IA 502665903 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $1K | $6K | 9.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | DELTA VISION | $3K | — | $3K | 9.75% |
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 | 345 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 345 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK HEALTH PLAN OF IOWA, INC | 287 | $2.6M |
| Vision | DELTA VISION | 203 | $33K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 345 | $72K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 345 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 345 | — |
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.