| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT ADVISORS INC DBA ACUMEN3 Filed as: BENEFIT ADVISORS INC. DBA ACUMEN | 425 2ND ST SE SUITE 1275 CEDAR RAPIDS, IA 524011819 | EMC NATIONAL LIFE COMPANY | $4K | — | $4K | 16.66% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WELLMARK HEALTH PLAN OF IOWA, INC. EIN 42-1455449 NONE | Direct payment from the plan; Contract Administrator; Insurance brokerage commissions and fees Service code 13 | — | $337K |
| EMPLOYEE GROUP SERVICES LTD DBA AUX EIN 42-1426202 NONE | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $269K |
| REINHART BOERNER VAN DEUREN S.C. EIN 39-1126909 NONE | Legal; Direct payment from the plan Service code 29 | — | $248K |
| BENEFIT ADVISORS, INC. DBA ACUMEN EIN 27-3865622 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $19K |
| CLIFTONLARSONALLEN LLP EIN 41-0746749 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $18K |
| EMPLOYEE FRINGES AUDIT CO. EIN 42-1122328 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $15K |
| DIMEO SCHNEIDER & ASSOCIATES LLC EIN 36-4001764 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $12K |
| WELLS FARGO BANK, N.A. EIN 94-1347393 NONE | Custodial (securities); Direct payment from the plan Service code 19 | — | $9K |
| AETNA LIFE INSURANCE, INC. EIN 20-1736437 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $8K |
| MIDLANDS CHOICE, INC. EIN 47-0804331 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $6K |
| O'SULLIVAN ASSOCIATES EIN 20-8199367 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $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 | 703 | 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) | 707 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | EMC NATIONAL LIFE COMPANY | 703 | $26K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE COLUMBIA, SC | 711 | $221K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 711 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.