| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS LLC | 4200 UNIVERSITY AVE STE 200 WEST DES MOINES, IA 50266 | UNITED HEALTHCARE INSURANCE COMPANY | $587 | — | $587 | 4.17% |
| MOLYNEAUX INSURANCE INC3 Filed as: MOLYNEAUX INS., INC. | 4200 UNIVERSITY AVE STE 200 WEST DES MOINES, IA 50266 | DELTA DENTAL OF IOWA | $4K | — | $4K | 40.39% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS CAPITAL INC | 4200 UNIVERSITY AVE STE 200 WEST DES MOINES, IA 50266 | DELTA DENTAL OF IOWA | $774 | — | $774 | 8.37% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS CAPITAL INC | 4200 UNIVERSITY AVE STE 200 WEST DES MOINES, IA 50266 | DELTA DENTAL OF IOWA | $768 | — | $768 | 8.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SCRIPT CARE EIN 76-0295598 PHARMACY BENEFITS MANAGEM | Claims processing Service code 12 | — | $308K |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $110K |
| MOLYNEAUX INSURANCE INC EIN 42-1428890 BROKER | Other commissions Service code 55 | 5025 UTICA RIDGE, SUITE 100 DAVENPORT, IA 52807 | $47K |
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 | 129 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF IOWA | 129 | $9K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 129 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 129 | — |
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.
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.