| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MIDWEST HERITAGE INSURANCE SERVICES3 | 3580 EP TRUE PARKWAY SUITE 100 WEST DES MOINES, IA 50265 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | — | $13K | 11.93% |
| BROWN & BROWN INSURANCE SERVICES3 | 80 S 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 3.07% |
| BROWN & BROWN INSURANCE SERVICES3 | 1200 N MAYFAIR RD SUITE 100 MILWAUKEE, WI 53226 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $977 | $977 | 0.90% |
| BROWN & BROWN INSURANCE SERVICES3 | 1200 N MAYFAIR RD SUITE 100 MILWAUKEE, WI 53226 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $956 | — | $956 | 0.97% |
| MIDWEST HERITAGE INSURANCE SERVICES3 | 3580 EP TRUE PARKWAY SUITE 100 WEST DES MOINES, IA 50265 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 7.77% |
| BROWN & BROWN INSURANCE SERVICES3 | 80 S 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 2.23% |
| BROWN & BROWN INSURANCE SERVICES3 | 1200 N MAYFAIR RD SUITE 100 MILWAUKEE, WI 53226 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $938 | $938 | 1.03% |
| BROWN & BROWN INSURANCE SERVICES3 | 1200 N MAYFAIR RD SUITE 100 MILWAUKEE, WI 53226 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $773 | — | $773 | 1.17% |
| MIDWEST HERITAGE INSURANCE SERVICES3 | 3580 EP TRUE PARKWAY WEST DES MOINES, IA 50265 | METROPOLITAN GENERAL INSURANCE COMPANY | $698 | — | $698 | 7.94% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | METROPOLITAN GENERAL INSURANCE COMPANY | $169 | — | $169 | 1.92% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 181 WELLS AVENUE NEWTON, MA 02459 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $144 | $144 | 1.64% |
| MIDWEST HERITAGE INSURANCE SERVICES3 | 3580 EP TRUE PARKWAY SUITE 100 WEST DES MOINES, IA 50265 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $783 | — | $783 | 11.97% |
| BROWN & BROWN INSURANCE SERVICES3 | 80 S 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $198 | — | $198 | 3.03% |
| BROWN & BROWN INSURANCE SERVICES3 | 1200 N MAYFAIR RD SUITE 100 MILWAUKEE, WI 53226 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $57 | $57 | 0.87% |
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 | 584 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 587 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN INSURANCE COMPANY | 744 | $276K |
| Vision | VISION SERVICE PLAN | 473 | $42K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 325 | $157K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 205 | $109K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 326 | $99K |
| Other(4 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 325 | $172K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 744 | — |
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.