| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH RISK PARTNERS LLC3 | 2048 SUPERIOR DRIVE NORTHWEST ROCHESTER, MN 55901 | DELTA DENTAL OF IOWA | $2K | $341 | $2K | 5.68% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | DELTA DENTAL OF IOWA | $523 | — | $523 | 1.21% |
| NORTH RISK PARTNERS LLC3 | 2048 SUPERIOR DRIVE NORTHWEST SUITE 100 ROCHESTER, MN 59901 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 9.52% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | ATTN OPERATING ACCOUNT PO BOX 441 DES MOINES, IA 50302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 4.19% |
| NORTH RISK PARTNERS LLC3 | 2048 SUPERIOR DRIVE NORTHWEST SUITE 100 ROCHESTER, MN 59901 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 6.79% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | ATTN OPERATING ACCOUNT PO BOX 441 DES MOINES, IA 50302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $657 | — | $657 | 3.11% |
| BENEFIT SOLUTIONS INC3 | 1055 LONGFELLOW DRIVE SUITE 6 HIAWATHA, IA 52233 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 7.31% |
| NORTH RISK PARTNERS LLC3 | 2048 SUPERIOR DRIVE NORTHWEST SUITE 100 ROCHESTER, MN 55901 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $425 | — | $425 | 2.69% |
| NORTH RISK PARTNERS LLC3 | 2048 SUPERIOR DRIVE NORTHWEST SUITE 100 ROCHESTER, MN 59901 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $1 | $1K | 10.52% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | ATTN OPERATING ACCOUNT PO BOX 441 DES MOINES, IA 50302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $604 | — | $604 | 4.48% |
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 | 219 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 124 | $1.2M |
| Dental | DELTA DENTAL OF IOWA | 62 | $43K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 82 | $16K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 265 | $35K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 268 | $32K |
| Prescription drug | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 124 | $1.2M |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 265 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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.