| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 8.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 736 SOUTH STONE AVENUE LA GRANGE, IL 60525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 3.75% |
| ACUMEN ADVISORS INC3 Filed as: ACUMEN ADVISORS, INC. | 1910 EAST KIMBERLY ROAD, SUITE 316 DAVENPORT, IA 52807 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | DELTA DENTAL OF IOWA | $3K | $0 | $3K | 3.67% |
| ACUMEN ADVISORS INC3 Filed as: ACUMEN ADVISORS, INC. | 425 2ND STREET SE, SUITE 1275 CEDAR RAPIDS, IA 52401 | DELTA DENTAL OF IOWA | $2K | $0 | $2K | 2.15% |
| MATTHEW STEVEN REDNOUR3 | 3808 WEST SPRINGFIELD AVENUE SUITE C CHAMPAIGN, IL 61822 | ASSURITY LIFE INSURANCE COMPANY | $5K | $0 | $5K | 27.28% |
| WARE GROUP GENERAL AGENCIES3 | UNKNOWN MANCHESTER, IA 52057 | ASSURITY LIFE INSURANCE COMPANY | $4K | $0 | $4K | 22.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 425 2ND STREET SE, SUITE 1275 CEDAR RAPIDS, IA 52401 | ASSURITY LIFE INSURANCE COMPANY | $4K | $0 | $4K | 22.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | VISION SERVICE PLAN | $950 | $0 | $950 | 5.55% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT ADVISORS, INC. | 425 2ND STREET SE, SUITE 1275 CEDAR RAPIDS, IA 52401 | VISION SERVICE PLAN | $148 | $0 | $148 | 0.86% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC. | 1980 FESTIVAL PLAZA DRIVE SUITE 810 LAS VEGAS, NV 89135 | VISION SERVICE PLAN | $56 | $0 | $56 | 0.33% |
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 | 128 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WELLMARK BLUE CROSS BLUE SHIELD OF IOWA | 54 | $839K |
| Dental | DELTA DENTAL OF IOWA | 87 | $74K |
| Vision | VISION SERVICE PLAN | 85 | $17K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $93K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $93K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $93K |
| Prescription drug(2 contracts, 2 carriers) | WELLMARK BLUE CROSS BLUE SHIELD OF IOWA | 54 | $839K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.