| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BERNIE LOWE & ASSOCIATES INC3 Filed as: BERNIE LOWE & ASSOCIATES | 1555 SE DELAWARE AVE STE A ANKENY, IA 50021 | DELTA DENTAL OF IOWA | $4K | $870 | $5K | 6.89% |
| BERNIE LOWE & ASSOCIATES INC Filed as: BERNIE LOWE & ASSOCIATES | 1555 SE DELAWARE AVE STE A ANKENY, IA 50021 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 10.00% |
| BLAC INC3 Filed as: BLAC INCORPORATED | DBA BERNIE LOWE ASSOCIATES ANKENY, IA 50021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $354 | $6K | 27.66% |
| RICHARD J GINTHER3 | 4220 LINCOLN AVENUE DES MOINES, IA 50310 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $69 | $5K | 20.74% |
| JOSEPH P CALARCO3 Filed as: JOSEPH MICHAEL EVANS | 4721 BROOKVIEW DRIVE WEST DES MOINES, IA 50265 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $860 | $1K | $2K | 9.32% |
| JERRI J GREGORY3 | 791 NW 43RD AVE DES MOINES, IA 50313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $992 | $777 | $2K | 7.95% |
| BRYON A BROWDER3 | 791 NW 43RD AVE DES MOINES, IA 50313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $680 | $49 | $729 | 3.27% |
| RITA A FOUBERT3 | 4888 110TH ST MONTEZUMA, IA 50171 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $123 | $88 | $211 | 0.95% |
| ALISHA JOHNSON3 | 1355 S 24TH ST FORT DODGE, IA 50501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $109 | $9 | $118 | 0.53% |
| BERNIE LOWE & ASSOCIATES INC Filed as: BERNIE LOWE & ASSOCIATES | 1555 SE DELAWARE AVE STE A ANKENY, IA 50021 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 13.90% |
| BERNIE LOWE & ASSOCIATES INC Filed as: BERNIE LOWE & ASSOCIATES | 1555 SE DELAWARE AVE STE A ANKENY, IA 50021 | EYE MED | $1K | — | $1K | 9.18% |
| BERNIE LOWE & ASSOCIATES INC3 Filed as: BERNIE LOWE & ASSOCIATES | 1555 SE DELAWARE AVE STE A ANKENY, IA 50021 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 14.99% |
| BERNIE LOWE & ASSOCIATES INC Filed as: BERNIE LOWE & ASSOCIATES | 1555 SE DELAWARE AVE STE A ANKENY, IA 50021 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $415 | $0 | $415 | 10.00% |
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 | 186 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 186 | $903K |
| Dental | DELTA DENTAL OF IOWA | 11 | $65K |
| Vision | EYE MED | 155 | $13K |
| Life insurance(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 29 | $51K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 38 | $10K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.