| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACUMEN ADVISORS INC3 | 425 2ND STREET SOUTHEAST SUITE 1275 CEDAR RAPIDS, IA 52401 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $3K | $11K | 11.10% |
| GARRY L JOHNSON & ASSOCIATES INC3 Filed as: GARRY L JOHNSON | 3850 EAST BASELINE ROAD SUITE 121 MESA, AZ 85206 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.98% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | PRINCIPAL LIFE INSURANCE COMPANY | $870 | — | $870 | 0.89% |
| ACUMEN ADVISORS INC3 Filed as: ACUMEN | 425 2ND STREET SOUTHEAST SUITE 1275 CEDAR RAPIDS, IA 52401 | DELTA DENTAL OF IOWA | — | $3K | $3K | 9.56% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | DELTA DENTAL OF IOWA | $558 | — | $558 | 1.87% |
| ACUMEN ADVISORS INC3 Filed as: ACUMEN | 425 2ND STREET SOUTHEAST SUITE 1275 CEDAR RAPIDS, IA 52401 | VERATRUS BENEFIT SOLUTIONS | $829 | — | $829 | 9.62% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | VERATRUS BENEFIT SOLUTIONS | $167 | — | $167 | 1.94% |
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 | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WELLMARK HEALTH PLAN OF IOWA | 41 | $707K |
| Dental | DELTA DENTAL OF IOWA | 64 | $30K |
| Vision | VERATRUS BENEFIT SOLUTIONS | 59 | $9K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 112 | $97K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 112 | $97K |
| Prescription drug | WELLMARK HEALTH PLAN OF IOWA | 41 | $416K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 112 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112 | — |
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."
No prospect flags tripped on this filing.