| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BERNIE LOWE & ASSOCIATES INC3 Filed as: BERNIE LOWE & ASSOCIATES, INC. | 1555 SE DELAWARE AVENUE STE A ANKENY, IA 50021 | DELTA DENTAL OF IOWA | $2K | — | $2K | 4.05% |
| NORTH RISK PARTNERS LLC3 | 2048 SUPERIOR DRIVE NW ROCHESTER, MN 55901 | DELTA DENTAL OF IOWA | $1K | — | $1K | 2.00% |
| NORTH RISK PARTNERS LLC3 | 1045 76TH ST STE 4000 WEST DES MOINES, IA 50266 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $95 | $3K | 14.55% |
| NORTH RISK PARTNERS LLC3 | 1045 76TH ST STE 4000 WEST DES MOINES, IA 50266 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $75 | $3K | 15.37% |
| BERNIE LOWE & ASSOCIATES INC3 Filed as: BERNIE LOWE & ASSOC INC | 615 HORSESHOE DR STE G GRINNELL, IA 50112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 7.55% |
| NORTH RISK PARTNERS LLC3 | 615 HORSESHOE DR STE G GRINNELL, IA 50112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 7.46% |
| NORTH RISK PARTNERS LLC3 | 2010 CENTRE POINTE BLVD SAINT PAUL, MN 55120 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $245 | $245 | 1.70% |
| RICHARD J GINTHER3 | 4220 LINCOLN AVENUE DES MOINES, IA 50310 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $1 | $1K | 10.01% |
| BERNIE LOWE & ASSOCIATES INC3 | DBA BERNIE LOWE AND ASSOCIATES GRINNELL, IA 50112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $765 | — | $765 | 5.83% |
| NORTH RISK PARTNERS LLC3 | DBA BERNIE LOWE AND ASSOCIATES GRINNELL, IA 50112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $636 | $28 | $664 | 5.06% |
| JERRI J GREGORY3 | 791 NW 43RD AVE DES MOINES, IA 50313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $155 | $16 | $171 | 1.30% |
| JOSEPH P CALARCO3 Filed as: JOSEPH MICHAEL EVANS | 4721 BROOKVIEW DRIVE WEST DES MOINES, IA 50265 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $129 | $41 | $170 | 1.30% |
| AMANDA M GRIFFITH3 Filed as: AMANDA JEANNE KANE | 7505 SE VANDALIA DR RUNNELLS, IA 50237 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $152 | $14 | $166 | 1.26% |
| RITA A FOUBERT3 | 204 MALLARD POINTE DR NW BONDURANT, IA 50035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.07% |
| BERNIE LOWE & ASSOCIATES INC3 Filed as: BERNIE LOWE & ASSOCIATES | 615 HORSESHOE DRIVE #G GRINNELL, IA 50112 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $819 | — | $819 | 15.88% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC | P.O. BOX 64016 ST. PAUL, MN 55164 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $413 | — | $413 | 8.01% |
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 | 197 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WELLMARK HEALTH PLAN OF IOWA | 122 | $1.2M |
| Dental | DELTA DENTAL OF IOWA | 114 | $56K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 154 | $5K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 192 | $43K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 50 | $14K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 192 | $23K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 192 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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."
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.