| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE ACCEL GROUP LLC3 | 300 EAST BREMER AVE WAVERLY, IA 50677 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $2K | $6K | 7.44% |
| SELECT NETWORKS3 | 317 6TH AVENUE DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 11.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JAMES WILLIS | PO BOX 269 WAVERLY, IA 50677 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 7.58% |
| THE ACCEL GROUP LLC3 | 300 E BREMER AVE WAVERLY, IA 50677 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $1K | $6K | 13.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ADVANTAGE ADMINISTRATORS EIN 42-1294349 THIRD PARTY ADMINISTRATOR | Claims processing Service code 12 | PO BOX 118 WAVERLY, IA 50677 | $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 | 337 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 75 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 412 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WELLMARK HEALTH PLAN OF IOWA | 167 | $3.5M |
| Dental | DELTA DENTAL OF IOWA | 328 | $0 |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 182 | $43K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 419 | $80K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 347 | $42K |
| Prescription drug(2 contracts, 2 carriers) | WELLMARK HEALTH PLAN OF IOWA | 167 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 419 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.