| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS, LLC | 4200 UNIVERSITY AVENUE SUITE 200 WEST DES MOINES, IA 502665945 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $1K | $5K | 7.68% |
| PATRIOT GROWTH INSURANCE SERVICES3 | DBA PDCM INSURANCE PO BOX 2597 WATERLOO, IA 50704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 4.14% |
| BHERD, LLC3 | 1956 PARK AVENUE DES MOINES, IA 50315 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 3.37% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS, LLC | 4200 UNIVERSITY AVENUE SUITE 200 WEST DES MOINES, IA 502665945 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $473 | $2K | 7.88% |
| PATRIOT GROWTH INSURANCE SERVICES3 | DBA PDCM INSURANCE PO BOX 2597 WATERLOO, IA 50704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $986 | — | $986 | 4.08% |
| BHERD, LLC3 | 1956 PARK AVENUE DES MOINES, IA 50315 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $819 | — | $819 | 3.39% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS, LLC | 4200 UNIVERSITY AVENUE SUITE 200 WEST DES MOINES, IA 502665945 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $514 | $2K | 8.39% |
| PATRIOT GROWTH INSURANCE SERVICES3 | DBA PDCM INSURANCE PO BOX 2597 WATERLOO, IA 50704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $859 | — | $859 | 4.02% |
| BHERD, LLC3 | 1956 PARK AVENUE DES MOINES, IA 50315 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $728 | — | $728 | 3.41% |
| PEDERSEN DOWIE CLABBY3 Filed as: PEDERSEN, DOWE, CLABBY & MCCAUSLAND | INS 3022 AIRPORT BLVD PO 2597 WATERLOO, IA 50703 | VERATRUS BENEFIT SOLUTIONS | $749 | — | $749 | 4.21% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS, LLC | 4200 UNIVERSITY AVENUE SUITE 200 WEST DES MOINES, IA 502665945 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $497 | $150 | $647 | 8.36% |
| BHERD, LLC3 | 1956 PARK AVENUE DES MOINES, IA 50315 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $284 | — | $284 | 3.67% |
| PATRIOT GROWTH INSURANCE SERVICES3 | DBA PDCM INSURANCE PO BOX 2597 WATERLOO, IA 50704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $280 | — | $280 | 3.62% |
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 | 337 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 339 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 276 | $1.2M |
| Vision | VERATRUS BENEFIT SOLUTIONS | 139 | $18K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 337 | $63K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 54 | $24K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 71 | $21K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 337 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 337 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.