| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BEARENCE MANAGEMENT GROUP LLC3 Filed as: BEARENCE MANAGEMENT GROUP | 1045 76TH STREET SUITE 400 WEST DES MOINES, IA 50266 | KAISER FOUNDATION HEALTH PLAN INC | $115K | — | $115K | 5.01% |
| BEARENCE MANAGEMENT GROUP LLC3 | PO BOX 64016 SAINT PAUL, MN 55164 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 4.99% |
| BEARENCE MANAGEMENT GROUP LLC3 | 11020 KING STREET SUITE 350 OVERLAND PARK, KS 66210 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.17% |
| BEARENCE MANAGEMENT GROUP LLC3 | 1045 76TH STREET SUITE 4000 WEST DES MOINES, IA 50266 | HARTFORD LIFE AND ACCIDENT | $9K | $5K | $14K | 31.32% |
| BEARENCE MANAGEMENT GROUP LLC3 | 1045 76H STREET SUITE 4000 WEST DES MOINES, IA 50266 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 13.77% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | TWO PIERCE PLACE ITASCA, IL 60143 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $219 | — | $219 | 1.23% |
| BEARENCE MANAGEMENT GROUP LLC3 Filed as: BEARENCE MANAGEMENT GROUP | 1045 76TH STREET SUITE 4000 WEST DES MOINES, IA 50266 | VISION SERVICE PLAN | $849 | — | $849 | 6.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | VISION SERVICE PLAN | $40 | — | $40 | 0.29% |
| BEARENCE MANAGEMENT GROUP LLC3 | 1045 76TH STREET SUITE 4000 WEST DES MOINES, IA 50266 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $139 | — | $139 | 13.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | TWO PIERCE PLACE ITASCA, IL 60143 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11 | — | $11 | 1.09% |
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 | 213 | 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) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 355 | $2.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 445 | $248K |
| Vision | VISION SERVICE PLAN | 104 | $14K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 213 | $44K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 13 | $1K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 49 | $18K |
| Other | HARTFORD LIFE AND ACCIDENT | 213 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 445 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.