| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BERNIE LOWE & ASSOCIATES INC3 Filed as: BERNIE LOWE & ASSOCIATES | 1555 SE DELAWARE AVENUE STE A ANKENY, IA 50021 | DELTA DENTAL OF IOWA | $4K | $649 | $4K | 6.64% |
| BERNIE LOWE & ASSOCIATES INC Filed as: BERNIE LOWE & ASSOCIATES | 615 HORSESHOE DR STE G GRINNEL, IA 50112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 10.00% |
| BERNIE LOWE & ASSOCIATES INC Filed as: BERNIE LOWE & ASSOCIATES | 615 HORSESHOE DR STE G GRINNEL, IA 50112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 13.76% |
| RICHARD J GINTHER3 | 4220 LINCOLN AVENUE DES MOINES, IA 50310 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $77 | $2K | 9.78% |
| BERNIE LOWE & ASSOCIATES INC3 Filed as: BERNIE LOWE & ASSOCIATES | 615 HORSESHOE DR STE G GRINNELL, IA 50112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 9.10% |
| JOSEPH P CALARCO3 Filed as: JOSEPH MICHAEL EVANS | 4721 BROOKVIEW DRIVE WEST DES MOINES, IA 50265 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $157 | $112 | $269 | 1.55% |
| JERRI J GREGORY3 | 791 NW 43RD AVE DES MOINES, IA 50313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $175 | $77 | $252 | 1.45% |
| JENNIFER L HAVLOVICK3 | 4920 PLEASANT ST WEST DES MOINES, IA 50266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.10% |
| RITA A FOUBERT3 | 4888 110TH ST MONTEZUMA, IA 50171 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 0.09% |
| ROBIN ROCHELLE WAGNER3 | 2696 PARK PLACE NORWALK, IA 50211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.02% |
| BERNIE LOWE & ASSOCIATES INC Filed as: BERNIE LOWE & ASSOCIATES | 615 HORSESHOE DR STE G GRINNELL, IA 50112 | EYE MED | $1K | $0 | $1K | 9.97% |
| BERNIE LOWE & ASSOCIATES INC3 Filed as: BERNIE LOWE & ASSOCIATES | 615 HORSESHOE 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 | 615 HORSESHOE DR STE G GRINNEL, IA 50112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $397 | $0 | $397 | 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 | 158 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WELLMARK HEALTH PLAN OF IOWA | 123 | $1.1M |
| Dental | DELTA DENTAL OF IOWA | 127 | $63K |
| Vision | EYE MED | 158 | $13K |
| Life insurance(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1 | $25K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 49 | $30K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.