| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SELECT NETWORKS3 | 317 6TH AVENUE DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $7K | — | $7K | 10.97% |
| 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 | $7K | — | $7K | 9.97% |
| LAMAIR MULOCK CONDON CO3 Filed as: LAMAIR-MULOCK-CONDON CO | 708 HEARTLAND TRAIL 1000 MADISON, WI 53717 | 5STAR LIFE INSURANCE COMPANY | $5K | — | $5K | 8.52% |
| SELECT NETWORKS3 | 317 6TH AVENUE DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 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 | $1K | — | $1K | 9.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WELLMARK BLUE CROSS & BLUE SHIELD EIN 42-0318333 N/A | Contract Administrator Service code 13 | 1331 GRAND AVE DES MOINES, IA 50309 | $628K |
| DELTA DENTAL OF IOWA EIN 42-0959302 N/A | Contract Administrator Service code 13 | 9000 NORTHPARK DR URBANDALE, IA 50131 | $42K |
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 | 1,405 | 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) | 1,405 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS & BLUE SHIELD | 1,249 | $0 |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 661 | $78K |
| Life insurance | 5STAR LIFE INSURANCE COMPANY | 1,405 | $62K |
| Stop-loss / reinsurancereinsurance | WELLMARK BLUE CROSS & BLUE SHIELD | 1,249 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,405 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.