| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACUMEN ADVISORS INC3 Filed as: ACUMEN ADVISORS, INC. | 425 2ND STREET, SUITE 1275 CEDAR RAPIDS, IA 52401 | WELLMARK BLUE CROSS BLUE SHIELD OF IOWA | -$39 | $0 | -$39 | -0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 12.31% |
| MATTHEW STEVEN REDNOUR3 | UNKNOWN IOWA CITY, IA 52246 | ASSURITY LIFE INSURANCE COMPANY | $4K | $0 | $4K | 17.02% |
| WARE GROUP GENERAL AGENCIES3 | UNKNOWN IOWA CITY, IA 52246 | ASSURITY LIFE INSURANCE COMPANY | $3K | $0 | $3K | 13.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10050 REGENCY PARKWAY, SUITE 300 OMAHA, NE 68114 | ASSURITY LIFE INSURANCE COMPANY | $3K | $0 | $3K | 13.74% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT ADVISORS, INC. | 425 2ND STREET, SUITE 1275 CEDAR RAPIDS, IA 52401 | VISION SERVICE PLAN | $584 | $0 | $584 | 6.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $130 | $0 | $130 | 1.53% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC. | 1980 FESTIVAL PLAZA DRIVE SUITE 810 LAS VEGAS, NV 89135 | VISION SERVICE PLAN | $106 | $0 | $106 | 1.25% |
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 | 111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS BLUE SHIELD OF IOWA | 65 | $525K |
| Dental | WELLMARK BLUE CROSS BLUE SHIELD OF IOWA | 65 | $525K |
| Vision | VISION SERVICE PLAN | 52 | $8K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 129 | $31K |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 153 | $54K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 129 | $31K |
| Prescription drug | WELLMARK BLUE CROSS BLUE SHIELD OF IOWA | 65 | $525K |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 153 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.