| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 233 SOUTH WACKER DRIVE #2000 CHICAGO, IL 60606 | THE HARTFORD | $8K | — | $8K | 1.80% |
| BERNIE LOWE & ASSOCIATES INC3 | 1555 SE DELAWARE AVENUE SUITE A ANKENY, IA 50021 | THE HARTFORD | — | $5K | $5K | 1.23% |
| BERNARD C LOWE3 | 1555 SE DELAWARE AVE SUITE A ANKENY, IA 50021 | THE HARTFORD | $4K | — | $4K | 0.87% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | 35371 NETWORK PLACE CHICAGO, IL 60673 | VISION SERVICE PLAN | $2K | — | $2K | 2.08% |
| RAMSEY WEEKS INC.3 | 715 5TH AVE GRINNELL, IA 501121604 | VISION SERVICE PLAN | $299 | — | $299 | 0.25% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT ADVISORS INC | 425 2ND ST. SE SUITE 1275 CEDAR RAPIDS, IA 52401 | VISION SERVICE PLAN | $100 | — | $100 | 0.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WELLMARK BCBS EIN 42-0318333 NONE | Direct payment from the plan; Claims processing; Other fees Service code 12 | — | $341K |
| DELTA DENTAL EIN 42-0959302 NONE | Claims processing; Direct payment from the plan; Other fees Service code 12 | — | $48K |
| EMPLOYEE FAMILY RESOURCES EIN 42-0923932 NONE | Contract Administrator Service code 13 | — | $15K |
| CLIFTONLARSONALLEN EIN 41-0746749 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $13K |
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 | 751 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 767 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 661 | $7.4M |
| Vision | VISION SERVICE PLAN | 541 | $118K |
| Life insurance | THE HARTFORD | 762 | $442K |
| Long-term disability | THE HARTFORD | 762 | $442K |
| Other | THE HARTFORD | 762 | $442K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 762 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.