| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 736 SOUTH STONE AVENUE LA GRANGE, IL 60525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 6.17% |
| ACUMEN ADVISORS INC3 Filed as: ACUMEN ADVISORS, INC. | 425 2ND STREET SE, SUITE 1275 CEDAR RAPIDS, IA 52401 | DELTA DENTAL OF IOWA | $14 | $0 | $14 | 0.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 425 2ND STREET SE, SUITE 1275 CEDAR RAPIDS, IA 52401 | ASSURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.54% |
| WARE GROUP GENERAL AGENCIES3 | UNKNOWN CEDAR RAPIDS, IA 52403 | ASSURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.54% |
| MATTHEW STEVEN REDNOUR3 | 3808 WEST SPRINGFIELD AVE, SUITE C CHAMPAIGN, IL 61822 | ASSURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.95% |
| MICHAEL PETERS & ASSOCIATES, INC.3 | UNKNOWN CEDAR RAPIDS, IA 52403 | ASSURITY LIFE INSURANCE COMPANY | $775 | $0 | $775 | 3.94% |
| DAVID KEENAN3 | UNKNOWN CEDAR RAPIDS, IA 52403 | ASSURITY LIFE INSURANCE COMPANY | $631 | $0 | $631 | 3.21% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 | UNKNOWN CEDAR RAPIDS, IA 52403 | ASSURITY LIFE INSURANCE COMPANY | $245 | $0 | $245 | 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 | 287 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | DELTA DENTAL OF IOWA | 188 | $20K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 286 | $91K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 286 | $91K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 286 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.