| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS LLC | 4200 UNIVERSITY AVE STE 200 WEST DES MOINES, IA 50266 | UNITEDHEALTHCARE INSURANCE COMPANY | $858 | $26K | $27K | 3.83% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR STE 200 HUNT VALLEY, MD 21030 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $460 | $460 | 0.07% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS LLC | 4200 UNIVERSITY AVE STE 200 WEST DES MOINES, IA 50266 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 21.13% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS, LLC | 4200 UNIVERSITY AVENUE SUITE 200 WEST DES MOINES, IA 50266 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $2K | $6K | 16.56% |
| BHERD, LLC3 | 1956 PARK AVENUE DES MOINES, IA 50315 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 5.19% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | HARTFORD LIFE AND ACCIDENT INSURANCE | — | $778 | $778 | 20.75% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3066 VICTORIA STREET BETTENDORF, IA 52722 | HARTFORD LIFE AND ACCIDENT INSURANCE | $563 | — | $563 | 15.01% |
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 | 165 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 134 | $706K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 124 | $35K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 134 | $706K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 417 | $49K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 417 | $49K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 134 | $706K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 417 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 417 | — |
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.