| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | PRINCIPAL LIFE INSURANCE COMPANY | — | $11K | $11K | 5.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.24% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOC LLC | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.17% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | PRINCIPAL LIFE INSURANCE COMPANY | — | $1K | $1K | 1.67% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR STE 200 HUNT VALLEY, MD 210301827 | PRINCIPAL LIFE INSURANCE COMPANY | — | $955 | $955 | 1.08% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOC LLC DALLAS | PO BOX 441 DES MOINES, IA 50302 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 2.30% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MW INC | 93245 NETWORK PLACE CHICAGO, IL 606731932 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 18.51% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 5.01% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS TOWERS WATSON MW INC | 5700 W 112TH STREET SUITE 100 OVERLAND, KS 66211 | FIRST STOP HEALTH | $2K | — | $2K | 8.74% |
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 | 412 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 102 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 514 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS BLUE SHIELD OF IOWA | 313 | $1.3M |
| Dental | DELTA DENTAL OF IOWA | 317 | $0 |
| Vision | VERATRUS BENEFIT SOLUTIONS | 284 | $18K |
| Life insurance(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 412 | $300K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 412 | $211K |
| Prescription drug | RXBENEFITS, INC. | 299 | $0 |
| Other(2 contracts, 2 carriers) | FIRST STOP HEALTH | 411 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 412 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.