| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BERNIE LOWE & ASSOCIATES INC Filed as: BERNIE LOWE & ASSOCIATES | 1555 SE DELAWARE AVE ANKENY, IA 50021 | WELLMARK HEALTH PLAN OF IOWA | $0 | $0 | $0 | 0.00% |
| BERNIE LOWE & ASSOCIATES INC3 Filed as: BERNIE LOWE & ASSOCIATES | 1555 SE DELAWARE AVE ANKENY, IA 50021 | DELTA DENTAL OF IOWA | $4K | $712 | $4K | 6.64% |
| BERNIE LOWE & ASSOCIATES INC Filed as: BERNIE LOWE & ASSOCIATES | 1555 SE DELAWARE AVE ANKENY, IA 50021 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 10.00% |
| BERNIE LOWE & ASSOCIATES INC Filed as: BERNIE LOWE & ASSOCIATES | 1555 SE DELAWARE AVE ANKENY, IA 50021 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 13.99% |
| BERNIE LOWE & ASSOCIATES INC3 Filed as: BERNIE LOWE & ASSOCIATES | 1555 SE DELAWARE AVE ANKENY, IA 50021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 7.88% |
| RICHARD J GINTHER Filed as: RICHARD GINTHER | 4220 LINCOLN AVE DES MOINES, IA 50310 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $9 | $1K | 7.22% |
| JERRI J GREGORY3 Filed as: JERRI GREGORY | 791 NW 43RD AVE DES MOINES, IA 50313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $215 | $68 | $283 | 1.60% |
| JOSEPH P CALARCO3 Filed as: JOSEPH EVANS | 4721 BROOKVIEW DR WEST DES MOINES, IA 50265 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $187 | $88 | $275 | 1.56% |
| BRYON A BROWDER3 Filed as: BRYON BROWDER | 791 NW 43RD AVE DES MOINES, IA 50313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $83 | $0 | $83 | 0.47% |
| JENNIFER L HAVLOVICK3 Filed as: JENNIFER HAVLOVICK | 4920 PLEASANT ST WEST DES MOINES, IA 50266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $76 | $7 | $83 | 0.47% |
| ROBIN ROCHELLE WAGNER3 | 2696 PARK PLACE NORWALK, IA 50211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | $5 | $47 | 0.27% |
| RITA A FOUBERT3 Filed as: RITA FOUBERT | 4888 110TH ST MONTEZUMA, IA 50171 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | $4 | $28 | 0.16% |
| BERNIE LOWE & ASSOCIATES INC Filed as: BERNIE LOWE & ASSOCIATES | 1555 SE DELAWARE AVE ANKENY, IA 50021 | EYE MED | $155 | $0 | $155 | 1.23% |
| BERNIE LOWE & ASSOCIATES INC3 Filed as: BERNIE LOWE & ASSOCIATES | 615 HORSEHOE DR STE G GRINNELL, IA 50112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| BERNIE LOWE & ASSOCIATES INC Filed as: BERNIE LOWE & ASSOCIATES | 1555 SE DELAWARE AVE ANKENY, IA 50021 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $387 | $0 | $387 | 10.01% |
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 | 156 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK HEALTH PLAN OF IOWA | 114 | $872K |
| Dental | DELTA DENTAL OF IOWA | 133 | $66K |
| Vision | EYE MED | 156 | $13K |
| Life insurance(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 26 | $45K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 41 | $28K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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."
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.
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.