| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS | 4200 UNIVERSITY AVENUE SUITE 200 WEST DES MOINES, IA 50266 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $26K | $6K | $33K | 11.10% |
| SUPPLEMENTAL INSURANCE PROFESSIONAL3 | 1956 PARK AVENUE DES MOINES, IA 50315 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 3.08% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS | 4200 UNIVERSITY AVENUE SUITE 200 WEST DES MOINES, IA 502665945 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $2K | $9K | 13.81% |
| WELLMARK INC3 Filed as: WELLMARK INC. | ANCILLARY MARKETING DEPARTMENT PO BOX 10481 DES MOINES, IA 50309 | FOUR EVER LIFE INS CO | $282 | — | $282 | 14.99% |
| INSURANCE TO-GO WORLDWIDE INSURANCE3 | 6600 UNIVERSITY AVE. WINDSOR HEIGHTS, IA 50324 | FOUR EVER LIFE INS CO | — | $75 | $75 | 3.99% |
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 | 478 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 480 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FOUR EVER LIFE INS CO | 20 | $2K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 359 | $65K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 423 | $296K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 423 | $296K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 423 | $296K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 423 | $298K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 423 | — |
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.