| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SELECT NETWORKS3 | 317 6TH AVENUE DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $6K | — | $6K | 11.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS GREAT PLAINS | 4200 UNIVERSITY AVENUE, STE 200 WEST DES MOINES, IA 50266 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| LAMAIR MULOCK CONDON CO3 Filed as: LAMAIR-MULOCK-CONDON CO | 4200 UNIVERSITY AVE, 200 WEST DES MOINES, IA 50266 | 5STAR LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| SELECT NETWORKS3 | 317 6TH AVENUE DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $614 | — | $614 | 11.92% |
| ASSUREDPARTNERS Filed as: ASSURED PARTNERS GREAT PLAINS LLC | 4200 UNIVERSITY AVENUE, STE 200 WEST DES MOINES, IA 50266 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $558 | — | $558 | 10.83% |
| 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 | $638K |
| DELTA DENTAL OF IOWA EIN 42-0959302 N/A | Contract Administrator Service code 13 | 9000 NORTHPARK DR URBANDALE, IA 50131 | $43K |
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 | 1,246 | 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) | 1,246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS & BLUE SHIELD | 1,137 | $1.7M |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 794 | $57K |
| Life insurance | 5STAR LIFE INSURANCE COMPANY | 1,246 | $41K |
| Stop-loss / reinsurancereinsurance | WELLMARK BLUE CROSS & BLUE SHIELD | 1,137 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,246 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.