| 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 | $40K | — | $40K | 1.58% |
| ACUMEN ADVISORS INC3 Filed as: ACUMEN | 425 2ND ST SE, SUITE 1275 CEDAR RAPIDS, IA 52401 | VERATRUS BENEFIT SOLUTIONS | $2K | — | $2K | 10.00% |
| ACUMEN ADVISORS INC3 Filed as: ACUMEN ADVISORS, INC. | 425 2ND ST SE, SUITE 1275 CEDAR RAPIDS, IA 52401 | VERATRUS BENEFIT SOLUTIONS | $184 | — | $184 | 0.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | RELIANCE | $4K | $1K | $5K | 22.10% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S STE 600 AUSTIN, TX 78746 | RELIANCE | — | $440 | $440 | 1.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | RELIANCE | $3K | $1K | $4K | 22.12% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S STE 600 AUSTIN, TX 78746 | RELIANCE | — | $379 | $379 | 1.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | RELIANCE | $2K | $581 | $3K | 21.69% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S STE 600 AUSTIN, TX 78746 | RELIANCE | — | $211 | $211 | 1.70% |
| ACUMEN ADVISORS INC3 Filed as: ACUMEN ADVISORS, INC. | 425 2ND ST SE, SUITE 1275 CEDAR RAPIDS, IA 52401 | ARAG INSURANCE COMPANY | $615 | — | $615 | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | RELIANCE | $197 | $59 | $256 | 22.05% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S STE 600 AUSTIN, TX 78746 | RELIANCE | — | $21 | $21 | 1.81% |
| ACUMEN ADVISORS INC3 Filed as: ACUMEN | 425 2ND ST SE, SUITE 1275 CEDAR RAPIDS, IA 52401 | DELTA DENTAL OF IOWA | $3K | $384 | $4K | — |
| ACUMEN ADVISORS INC3 Filed as: ACUMEN ADVISORS, INC. | 425 2ND ST SE, SUITE 1275 CEDAR RAPIDS, IA 52401 | DELTA DENTAL OF IOWA | $135 | — | $135 | — |
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 | 280 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK HEALTH PLAN OF IOWA | 222 | $2.5M |
| Dental | DELTA DENTAL OF IOWA | 223 | $0 |
| Vision | VERATRUS BENEFIT SOLUTIONS | 177 | $25K |
| Life insurance | RELIANCE | 298 | $23K |
| Long-term disability | RELIANCE | 298 | $20K |
| Other(4 contracts, 2 carriers) | RELIANCE | 298 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 298 | — |
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.