| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| N/A3 | — | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $42K | — | $42K | 2.39% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS LLC | 4200 UNIVERSITY AVE SUITE 200 WEST DES MOINES, IA 50266 | EQUITABLE | $19K | — | $19K | 13.68% |
| BHERD, LLC3 Filed as: BHERD | 1956 PARK AVE DES MOINES, IA 50315 | EQUITABLE | $0 | $6K | $6K | 4.56% |
| RYAN BERVEN3 Filed as: RYAN L BERVEN | 4200 UNIVERSITY AVE SUITE 200 WEST DES MOINES, IA 50266 | TRANSAMERICA | $4K | — | $4K | 16.83% |
| CALVIN J KOHLENBERG3 Filed as: CALVIN KOHLENBERG | PO BOX 1513 DUBUQUE, IA 52004 | TRANSAMERICA | $590 | — | $590 | 2.76% |
| NATIONAL CORPORATE BENEFITS GROUP3 | 1755 WEST LAKES PARKWAY SUITE C WEST DES MOINES, IA 50266 | TRANSAMERICA | $107 | — | $107 | 0.50% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS DBA GROUP BENEFIT P | 914 AVENUE G FORT MADISON, IA 52627 | VERATRUS BENEFIT SOLUTIONS | $1K | — | $1K | 9.08% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS LLC | 914 AVENUE G FORT MADISON, IA 52627 | HARTFORD FIRE INSURANCE COMPANY | $148 | — | $148 | 14.95% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS DBA GROUP BENEFIT P | 914 AVENUE G FORT MADISON, IA 52627 | DELTA DENTAL OF IOWA | $5K | — | $5K | — |
| ASSUREDPARTNERS Filed as: ASSUREDPARTNERS GREAT PLAINS LLC | 4200 UNIVERSITY AVE SUITE 200 WEST DES MOINES, IA 50266 | DELTA DENTAL OF IOWA | — | $157 | $157 | — |
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 | 176 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 130 | $1.8M |
| Dental | DELTA DENTAL OF IOWA | 143 | $0 |
| Life insurance | EQUITABLE | 176 | $137K |
| Short-term disability | EQUITABLE | 176 | $137K |
| Long-term disability | EQUITABLE | 176 | $137K |
| Other(2 contracts, 2 carriers) | TRANSAMERICA | 93 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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.
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.