| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCHWARCK AGENCY LLC3 | 520 S PIERCE, STE 202 MASON CITY, IA 50401 | WELMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $49K | — | $49K | 1.41% |
| SCHWARCK AGENCY LLC3 | 520 S PIERCE, STE 202 MASON CITY, IA 50401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 8.34% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVC INC | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $385 | $4K | 7.32% |
| PAPE ALAN3 Filed as: PAPE RHONDA S | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 5.52% |
| PAPE DANE3 | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 2.22% |
| PAPE ALAN3 Filed as: PAPE COLE M | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 2.21% |
| PAPE ALAN3 | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $140 | — | $140 | 0.29% |
| SCHWARCK AGENCY LLC3 | 520 S PIERCE, STE 202 MASON CITY, IA 50401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 10.94% |
| SCHWARCK AGENCY LLC3 | 520 S PIERCE, STE 202 MASON CITY, IA 50401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 10.13% |
| SCHWARCK AGENCY LLC3 | 520 S PIERCE, STE 202 MASON CITY, IA 50401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 11.60% |
| GROUP BENEFIT PARTNERS LLC3 | 1114 AVE D FORT MADISON, IA 52627 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 8.14% |
| FINANCIAL ARCHITECTS, INC.3 Filed as: FINANCIAL ARCHITECTS INC | 1840 NW 118TH ST DES MOINES, IA 50325 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10 | — | $10 | 0.04% |
| SCHWARCK AGENCY LLC3 | 520 S PIERCE, STE 202 MASON CITY, IA 50401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 5.98% |
| SCHWARCK AGENCY LLC3 | 520 S PIERCE, STE 202 MASON CITY, IA 50401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 11.58% |
| SCHWARCK AGENCY LLC3 | 520 S PIERCE, STE 202 MASON CITY, IA 50401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 11.56% |
| SCHWARCK AGENCY LLC3 | 520 S PIERCE, STE 202 MASON CITY, IA 50401 | DELTA DENTAL OF IOWA | $980 | $243 | $1K | — |
| SCHWARCK AGENCY LLC3 | 520 S PIERCE, STE 202 MASON CITY, IA 50401 | DELTA DENTAL OF IOWA | $2K | $389 | $2K | — |
| SCHWARCK AGENCY LLC3 | 520 S PIERCE, STE 202 MASON CITY, IA 50401 | DELTA DENTAL OF IOWA | $881 | $223 | $1K | — |
| SCHWARCK AGENCY LLC3 | 520 S PIERCE, STE 202 MASON CITY, IA 50401 | DELTA DENTAL OF IOWA | $752 | $183 | $935 | — |
| SCHWARCK AGENCY LLC3 | 520 S PIERCE, STE 202 MASON CITY, IA 50401 | DELTA DENTAL OF IOWA | $1K | $334 | $2K | — |
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 | 198 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 182 | $3.4M |
| Dental(5 contracts) | DELTA DENTAL OF IOWA | 58 | $0 |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 142 | $24K |
| Life insurance(7 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 104 | $199K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 61 | $49K |
| Long-term disability(6 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 59 | $139K |
| Other(7 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 104 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.