| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACUMEN ADVISORS INC3 | 425 2ND ST. SE, STE. 1275 Q, IA 52401 | HEALTHPARTNERS UNITYPOINT HEALTH | — | $48K | $48K | 4.06% |
| ACUMEN ADVISORS INC3 | 425 2ND ST. SE, STE. 1275 CEDAR RAPIDS, IA 52401 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $1K | $7K | 12.64% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT ADVISORS INC | 425 2ND ST. SE, STE. 1275 CEDAR RAPIDS, IA 524011824 | VISION SERVICE PLAN | $873 | — | $873 | 4.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 606945287 | VISION SERVICE PLAN | $336 | — | $336 | 1.72% |
| ENROLLEASE5 Filed as: ENROLLEASE, INC DBA EASECENTRAL | 1980 FESTIVAL PLAZA DR STE 810 LAS VEGAS, NV 891352958 | VISION SERVICE PLAN | $244 | — | $244 | 1.25% |
| ACUMEN ADVISORS INC3 | 425 2ND ST. SE, STE. 1275 CEDAR RAPIDS, IA 52401 | DELTA DENTAL OF IOWA | $5K | $413 | $5K | — |
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 | 114 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS UNITYPOINT HEALTH | 191 | $1.2M |
| Dental | DELTA DENTAL OF IOWA | 110 | $0 |
| Vision | VISION SERVICE PLAN | 98 | $20K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 134 | $54K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 134 | $54K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 134 | $54K |
| Prescription drug | HEALTHPARTNERS UNITYPOINT HEALTH | 191 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.