| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOWE BARNARD3 | 1555 SE DELAWARE AVENUE SUITE A ANKENY, IA 50021 | THE HARTFORD | $7K | — | $7K | 1.58% |
| BERNIE LOWE & ASSOCIATES INC3 | 1555 SE DELAWARE AVE SUITE A ANKENY, IA 50021 | THE HARTFORD | — | $4K | $4K | 0.87% |
| RAMSEY WEEKS INC.3 | 715 5TH AVE GRINNELL, IA 501121604 | VISION SERVICE PLAN | $2K | — | $2K | 1.89% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT ADVISORS INC | 425 2ND ST. SE SUITE 1275 CEDAR RAPIDS, IA 52401 | VISION SERVICE PLAN | $671 | — | $671 | 0.63% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE FAMILY RESOURCES EIN 42-0923932 NONE | Contract Administrator Service code 13 | — | $15K |
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 | 720 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 726 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 511 | $107K |
| Life insurance | THE HARTFORD | 725 | $454K |
| Long-term disability | THE HARTFORD | 725 | $454K |
| Other | THE HARTFORD | 725 | $454K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 725 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.