| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACUMEN ADVISORS INC3 | 425 2ND ST SE, SUITE 1275 CEDAR RAPIDS, IA 52401 | WELLMARK HEALTH PLAN OF IOWA | $43K | — | $43K | 1.77% |
| ACUMEN ADVISORS INC3 Filed as: ACUMEN ADVISORS, INC. | 425 2ND ST SE, SUITE 1275 CEDAR RAPIDS, IA 52401 | RELIANCE | $6K | — | $6K | 15.79% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE | $456 | — | $456 | 1.20% |
| ACUMEN ADVISORS INC3 Filed as: ACUMEN ADVISORS, INC. | 425 2ND ST SE, SUITE 1275 CEDAR RAPIDS, IA 52401 | RELIANCE | $5K | — | $5K | 15.80% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE | $392 | — | $392 | 1.20% |
| ACUMEN ADVISORS INC3 Filed as: ACUMEN | 425 2ND ST SE, SUITE 1275 CEDAR RAPIDS, IA 52401 | VERATRUS BENEFIT SOLUTIONS | $3K | — | $3K | 10.95% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS (DSM) | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VERATRUS BENEFIT SOLUTIONS | $259 | — | $259 | 0.96% |
| ACUMEN ADVISORS INC3 Filed as: ACUMEN ADVISORS, INC. | 425 2ND ST SE, SUITE 1275 CEDAR RAPIDS, IA 52401 | RELIANCE | $3K | — | $3K | 15.57% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE | $264 | — | $264 | 1.43% |
| ACUMEN ADVISORS INC3 Filed as: ACUMEN ADVISORS, INC. | 425 2ND ST SE, SUITE 1275 CEDAR RAPIDS, IA 52401 | ARAG INSURANCE COMPANY | $547 | — | $547 | 7.04% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | ARAG INSURANCE COMPANY | $185 | — | $185 | 2.38% |
| ACUMEN ADVISORS INC3 Filed as: ACUMEN ADVISORS, INC. | 425 2ND ST SE, SUITE 1275 CEDAR RAPIDS, IA 52401 | RELIANCE | $291 | — | $291 | 15.63% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE | $25 | — | $25 | 1.34% |
| ACUMEN ADVISORS INC3 Filed as: ACUMEN | 425 2ND ST SE, SUITE 1275 CEDAR RAPIDS, IA 52401 | DELTA DENTAL OF IOWA | $4K | — | $4K | — |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS (DSM) | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL OF IOWA | $0 | $391 | $391 | — |
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 | 327 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 330 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK HEALTH PLAN OF IOWA | 241 | $2.4M |
| Dental | DELTA DENTAL OF IOWA | 239 | $0 |
| Vision | VERATRUS BENEFIT SOLUTIONS | 196 | $27K |
| Life insurance | RELIANCE | 327 | $38K |
| Long-term disability | RELIANCE | 327 | $33K |
| Other(4 contracts, 2 carriers) | RELIANCE | 327 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 327 | — |
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.