| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS | 1055 LONGFELLOW DRIVE STE B HIAWATHA, IA 52233 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $47K | — | $47K | 2.67% |
| NORTH RISK PARTNERS LLC3 | 2048 SUPERIOR DRIVE NW STE 100 ROCHESTER, MN 55901 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $5K | — | $5K | 14.24% |
| MATTHEW REDNOUR3 | 2550 MIDDLE ROAD SUITE 300 BETTENDORF, IA 52722 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | — | $3K | 7.35% |
| GARY WOOD ASSOCIATES, INC.3 Filed as: GARY WARE AND ASSOCIATES | 3808 W SPRINGFIELD AVE STE D CHAMPAIGN, IL 61822 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | — | $3K | 7.34% |
| NORTH RISK PARTNERS LLC3 | 2048 SUPERIOR DRIVE NW STE 100 ROCHESTER, MN 55901 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | — | $3K | 9.20% |
| GARY WOOD ASSOCIATES, INC.3 Filed as: GARY WARE AND ASSOCIATES | 3808 W SPRINGFIELD AVE STE D CHAMPAIGN, IL 61822 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 5.83% |
| MATTHEW REDNOUR3 | 2550 MIDDLE ROAD SUITE 300 BETTENDORF, IA 52722 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 5.09% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT RD STE 240 SAINT CLOUD, MN 56301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 12.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 19422 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| NORTH RISK PARTNERS LLC3 | 2048 SUPERIOR DR NW STE 100 ROCHESTER, MN 55901 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $4K | — | $4K | 11.22% |
| GARY WOOD ASSOCIATES, INC.3 Filed as: GARY WARE AND ASSOCIATES | 3808 W SPRINGFIELD AVE STE D CHAMPAIGN, IL 61822 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 5.90% |
| MATTHEW REDNOUR3 | 2550 MIDDLE ROAD SUITE 300 BETTENDORF, IA 52722 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 5.82% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT RD STE 240 SAINT CLOUD, MN 56301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 12.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 19422 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| NORTH RISK PARTNERS LLC3 | 622 ROSSEVELT RD STE 240 SAINT CLOUD, MN 56301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 12.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY S STE 320 BLUE BELL, PA 19422 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| RISK STRATEGIES COMPANY3 Filed as: NORTH RISK RISK PARTNERS LLC | 622 ROOSEVELT RD STE 240 SAINT CLOUD, MN 56301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 13.80% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 19422 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $985 | $985 | 5.00% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT RD STE 240 SAINT CLOUD, MN 56301 | MUTUAL OF OMAHA INSURANCE COMPANY | $389 | — | $389 | 12.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NORTH RISK PARTNERS LLC AGENT/BROKER | Insurance agents and brokers Service code 22 | 1055 LONGFELLOW DRIVE HIAWATHA, IA 52233 | $73K |
| GARY WARE AND ASSOCIATES AGENT/BROKER | Insurance agents and brokers Service code 22 | 3808 W SPRINGFIELD AVE D CHAMPAIGN, IL 61822 | $7K |
| MATTHEW REDNOUR AGENT/BROKER | Insurance agents and brokers Service code 22 | 2550 MIDDLE ROAD STE 300 BETTENDORF, IA 52722 | $7K |
| EMERSON ROGERS LLC AGENT/BROKER | Insurance agents and brokers Service code 22 | 1787 SENTRY PKWY W STE 32 BLUE BELL, PA 19422 | $5K |
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 | 249 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 358 | $1.8M |
| Dental | DELTA DENTAL OF IOWA | 411 | $0 |
| Vision | VISION SERVICE PLAN | 171 | $41K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 249 | $66K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 67 | $22K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $20K |
| Other(6 contracts, 3 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 249 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 411 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.