| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT CONSULTANTS INC | 412 WATER ST SIOUX CITY, IA 51103 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 10.06% |
| SELECT NETWORKS3 | 6165 NW 86TH STREET SUITE 108 JOHNSTON, IA 50131 | AVESIS THIRD PARTY ADMINISTRATORS, INC. | $1K | — | $1K | 11.94% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT CONSULTANTS | 1119 4TH STREET SUITE 109 SIOUX CITY, IA 51101 | AVESIS THIRD PARTY ADMINISTRATORS, INC. | $993 | — | $993 | 10.85% |
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 | 159 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK HEALTH PLAN OF IOWA, INC. | 99 | $689K |
| Dental | WELLMARK HEALTH PLAN OF IOWA, INC. | 99 | $689K |
| Vision | AVESIS THIRD PARTY ADMINISTRATORS, INC. | 127 | $9K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 158 | $54K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 158 | $54K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 158 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.