| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SELECT NETWORKS3 | 317 6TH AVENUE DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 11.01% |
| LAMAIR MULOCK CONDON CO3 Filed as: LAMAIR MULOCK & CONDON, CO. | 4200 UNIVERSITY AVENUE, SUITE 200 WEST DES MOINES, IA 50266 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 10.01% |
| LAMAIR MULOCK CONDON CO3 Filed as: LAMAIR-MULOCK-CONDON CO | 4200 UNIVERSITRY AVE WEST DES MOINES, IA 50266 | 5STAR LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| SELECT NETWORKS3 | 317 6TH AVENUE, STE. 1040 DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 10.99% |
| LAMAIR MULOCK CONDON CO3 Filed as: LAMAIR MULOCK & CONDON, CO. | 4200 UNIVERSITY AVENUE, SUITE 200 WEST DES MOINES, IA 50266 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 9.99% |
| LAMAIR MULOCK CONDON CO3 Filed as: LAMAIR-MULOCK-CONDON | 708 HEARTLAND TRAIL 1000 MADISON, WI 53717 | 5STAR LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| BRENT J. SPYKSMA3 Filed as: BRENT SPYKSMA | 14321 DELLWOOD DR URBANDALE, IA 50323 | 5STAR LIFE INSURANCE COMPANY | $464 | — | $464 | 2.50% |
| SELECT NETWORKS3 | 317 6TH AVENUE DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $931 | — | $931 | 10.94% |
| LAMAIR MULOCK CONDON CO3 Filed as: LAMAIR MULOCK & CONDON, CO. | 4200 UNIVERSITY AVENUE, SUITE 200 WEST DES MOINES, IA 50266 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $846 | — | $846 | 9.94% |
| LAMAIR MULOCK CONDON CO3 Filed as: LAMAIR-MULOCK-CONDON | 708 HEARTLAND TRAIL 1000 MADISON, WI 53717 | 5STAR LIFE INSURANCE COMPANY | $1K | — | $1K | 20.63% |
| BRENT J. SPYKSMA3 Filed as: BRENT SPYKSMA | 14321 DELLWOOD DR URBANDALE, IA 50323 | 5STAR LIFE INSURANCE COMPANY | $81 | — | $81 | 1.62% |
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 | 1,092 | 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) | 1,092 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WELLMARK BLUE CROSS AND BLUE SHIELD | 1,037 | $13.5M |
| Dental(2 contracts) | DELTA DENTAL OF IOWA | 562 | $0 |
| Vision(3 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 469 | $80K |
| Life insurance(3 contracts) | 5STAR LIFE INSURANCE COMPANY | 1,092 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,092 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.