| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DUNCAN, JOEL3 | ND, INC 1616 CASSIDY DRIVE DES MOINES, IA 50315 | HEALTHPARTNERS UNITYPOINT HEALTH | $0 | $117 | $117 | 0.00% |
| ND, INC.3 | 1616 CASADY DRIVE DES MOINES, IA 50315 | DELTA DENTAL OF IOWA | $26K | $0 | $26K | 3.30% |
| KHI SOLUTIONS LLC3 Filed as: KHI SOLUTIONS, LLC | 130 NORTH 25TH STREET FORT DODGE, IA 50501 | DELTA DENTAL OF IOWA | $2K | $262 | $2K | 0.23% |
| ND, INC.3 | 1616 CASSIDY DRIVE DES MOINES, IA 50315 | GUARDIAN | $43K | $3K | $47K | 7.53% |
| BRENDA S SMITH3 | 1684 VIKING HILLS RD DECORAH, IA 52101 | GUARDIAN | $17K | $0 | $17K | 2.75% |
| THOMPSON RISK II, LLC3 | 2575 NORTHBROOKE PLAZA DRIVE UNIT 204 NAPLES, FL 34119 | GUARDIAN | $12K | $0 | $12K | 1.93% |
| PHRI LLC3 | 35 PARKWOOD DRIVE, SUITE 200 HOPKINTON, MA 01748 | GUARDIAN | $8K | $0 | $8K | 1.24% |
| ALTERITY BROKER SOLUTIONS3 Filed as: ALTERITY BROKER SOLUTIONS, INC | 8777 N GAINEY CENTER DR, SUITE 260 SCOTTSDALE, AZ 85258 | GUARDIAN | -$5K | $0 | -$5K | -0.87% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | 2300 CONTRA COSTA BOULEVARD SUITE 600 PLEASANT HILL, CA 94523 | GUARDIAN | -$19K | $0 | -$19K | -3.08% |
| ND, INC.3 | 1616 CASADY DRIVE DES MOINES, IA 50315 | VERATRUS BENEFIT SOLUTIONS | $6K | $0 | $6K | 2.38% |
| KHI SOLUTIONS LLC3 Filed as: KHI SOLUTIONS, LLC | 130 NORTH 25TH STREET FORT DODGE, IA 50501 | VERATRUS BENEFIT SOLUTIONS | $302 | $0 | $302 | 0.13% |
| ND, INC.3 | 1616 CASSIDY DRIVE DES MOINES, IA 50315 | GUARDIAN | $30K | $1K | $31K | 15.20% |
| THOMMPSON RISK, II LLC3 | 2575 NORTHBROOKE PLAZA DRIVE UNIT 204 NAPLES, FL 34119 | GUARDIAN | $4K | $0 | $4K | 1.89% |
| PHRI LLC3 | 35 PARKWOOD DRIVE, SUITE 200 HOPKINTON, MA 01748 | GUARDIAN | $2K | $0 | $2K | 1.11% |
| BRENDA S SMITH3 | 1684 VIKING HILLS RD DECORAH, IA 52101 | GUARDIAN | $2K | $0 | $2K | 1.11% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 31.55% |
| KHI SOLUTIONS LLC3 | 130 NORTH 25TH STREET FORT DODGE, IA 50501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 30.75% |
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 | 2,284 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 177 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,473 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS UNITYPOINT HEALTH | 1,081 | $4.5M |
| Dental | DELTA DENTAL OF IOWA | 1,593 | $796K |
| Vision | VERATRUS BENEFIT SOLUTIONS | 1,464 | $234K |
| Life insurance | GUARDIAN | 1,816 | $619K |
| Short-term disability | GUARDIAN | 1,816 | $619K |
| Long-term disability | GUARDIAN | 1,816 | $619K |
| Other(4 contracts, 3 carriers) | GUARDIAN | 1,816 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,816 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.