| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE ACCEL GROUP LLC Filed as: ACCEL HOLDINGS | 300 E BREMER AVENUE WAVERLY, IA 50677 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $47K | $0 | $47K | 1.15% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS BENEFITS LLC | 217 OAK RIDGE CIRCLE WAVERLY, IA 50677 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $10K | $0 | $10K | 0.24% |
| STACIE BRASS | 602 MAIN STREET CEDAR FALLS, IA 50613 | KANSAS CITY LIFE INSURANCE COMPANY | $31K | — | $31K | 10.91% |
| WILLIS TOWERS WATSON US LLC Filed as: JAMES WILLIS | 217 OAK RIDGE CIRCLE WAVERLY, IA 50677 | KANSAS CITY LIFE INSURANCE COMPANY | $6K | — | $6K | 2.16% |
| THE ACCEL GROUP LLC3 Filed as: THE ACCEL GROUP | 300 E BREMER AVENUE WAVERLY, IA 50677 | DELTA DENTAL OF IOWA | $3K | $0 | $3K | 6.92% |
| IOWA BANKERS INSURANCE AND SERVICES3 Filed as: IOWA BANKERS INS & SERVICES | PO BOX 6210 JOHNSTON, IA 501316210 | DELTA DENTAL OF IOWA | $833 | $0 | $833 | 2.18% |
| STACIE BRASS | 602 MAIN STREET CEDAR FALLS, IA 50613 | KANSAS CITY LIFE INSURANCE COMPANY | $4K | — | $4K | 11.78% |
| WILLIS TOWERS WATSON US LLC Filed as: JAMES WILLIS | 217 OAK RIDGE CIRCLE WAVERLY, IA 50677 | KANSAS CITY LIFE INSURANCE COMPANY | $939 | — | $939 | 2.58% |
| THE ACCEL GROUP LLC3 Filed as: THE ACCEL GROUP | 300 E BREMER AVENUE WAVERLY, IA 50677 | DELTA DENTAL OF IOWA | $4K | — | $4K | — |
| IOWA BANKERS INSURANCE AND SERVICES3 Filed as: IOWA BANKERS INS & SERVICES | PO BOX 6210 JOHNSTON, IA 501316210 | DELTA DENTAL OF IOWA | $407 | $0 | $407 | — |
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 | 409 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 419 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 358 | $4.1M |
| Dental | DELTA DENTAL OF IOWA | 272 | $0 |
| Vision | DELTA DENTAL OF IOWA | 248 | $38K |
| Life insurance(2 contracts) | KANSAS CITY LIFE INSURANCE COMPANY | 318 | $324K |
| Short-term disability(2 contracts) | KANSAS CITY LIFE INSURANCE COMPANY | 318 | $324K |
| Long-term disability(2 contracts) | KANSAS CITY LIFE INSURANCE COMPANY | 318 | $324K |
| Prescription drug | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 358 | $4.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 358 | — |
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.