| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 60604 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $52K | $0 | $52K | 1.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL IOWA LLC | 15162 COLLECTION CENTER DR CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | $40K | $66 | $40K | 15.62% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $3K | $16K | 6.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL IOWA, LLC | 104 WEST 2ND STREET SUITE 4B DAVENPORT, IA 52801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.07% |
| PAPE ALAN3 Filed as: PAPE RHONDA S | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.82% |
| PAPE DANE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $787 | $0 | $787 | 1.71% |
| PAPE ALAN3 Filed as: PAPE COLE M | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $785 | $0 | $785 | 1.71% |
| PAPE ALAN3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $83 | $0 | $83 | 0.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3390 UNIVERSITY AVE SUITE 300 RIVERSIDE, CA 92501 | GUARDIAN LIFE INSURANCE COMPANY | $2K | $1K | $3K | 12.71% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL IOWA LLC | 55 E JACKSON BLVD CHICAGO, IL 60604 | DELTA DENTAL OF IOWA | $7K | $0 | $7K | — |
| SCHWARCK AGENCY LLC3 Filed as: SCHWARCK AGENCY LC | 520 S. PIERCE, STE 202 MASON CITY, IA 50401 | DELTA DENTAL OF IOWA | $0 | $41 | $41 | — |
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 | 204 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 219 | $4.5M |
| Dental | DELTA DENTAL OF IOWA | 245 | $0 |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 162 | $26K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 983 | $255K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 983 | $255K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 983 | $255K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 983 | $301K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 983 | — |
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.