| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT MCDOWELL INSURANCE | 300 NORTH CHERAPA PLACE PO BOX 5113 SIOUX FALLS, SD 57117 | DELTA DENTAL OF IOWA | $4K | $0 | $4K | 2.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES-SC | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | DELTA DENTAL OF IOWA | $2K | $405 | $2K | 1.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | PO BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $5K | $0 | $5K | 6.22% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DRIVE STE 200 CHESTERFIELD, MO 63017 | HARTFORD LIFE AND ACCIDENT | $3K | $0 | $3K | 3.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | PO BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $0 | $2K | $2K | 2.18% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $0 | $808 | $808 | 0.95% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR #200 CHESTERFIELD, MO 63017 | RELIANCE STANDARD | $6K | $0 | $6K | 15.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD | $2K | $0 | $2K | 5.00% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS BROKERS SEE ATTACHED | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $152 | $4K | 10.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT MCDOWELL INSURANCE | 300 NORTH CHERAPA PLACE PO BOX 5113 SIOUX FALLS, SD 57117 | DELTAVISION | $2K | $0 | $2K | 6.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES-SC | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | DELTAVISION | $928 | $0 | $928 | 3.34% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR #200 CHESTERFIELD, MO 63017 | RELIANCE STANDARD | $1K | $0 | $1K | 15.01% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD | $450 | $0 | $450 | 5.00% |
| MJ INSURANCE3 Filed as: VARIOUS BROKERS | — | AFLAC | $488 | $0 | $488 | 9.69% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR #200 CHESTERFIELD, MO 63017 | RELIANCE STANDARD | $77 | $0 | $77 | 15.07% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD | $26 | $0 | $26 | 5.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR CHESTERFIELD, MO 63017 | RELIANCE STANDARD | $75 | $0 | $75 | 15.06% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD | $25 | $0 | $25 | 5.02% |
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 | 306 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF IOWA | 148 | $141K |
| Vision | DELTAVISION | 138 | $28K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 222 | $94K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 222 | $123K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 204 | $85K |
| Other(6 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT | 281 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.