| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT SOLUTIONS INC3 Filed as: BENEFIT SOLUTIONS, INC | 425 2ND STREET SOUTHEAST SUITE 1150 CEDAR RAPIDS, IA 52401 | DELTA DENTAL OF IOWA | $2K | $786 | $3K | 5.12% |
| ACUMEN ADVISORS INC3 Filed as: ACUMEN | 425 2ND STREET SOUTHEAST SUITE 1150 CEDAR RAPIDS, IA 52401 | DELTA DENTAL OF IOWA | $1K | — | $1K | 1.90% |
| BENEFIT SOLUTIONS INC3 | 425 SECOND STREET SOUTHEAST SUITE 1150 CEDAR RAPIDS, IA 52401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $284 | $2K | 11.08% |
| BENEFIT ADVISORS INC DBA ACUMEN3 | 425 2ND STREET SOUTHEAST SUITE 1275 CEDAR RAPIDS, IA 52401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 5.25% |
| BENEFIT SOLUTIONS INC3 Filed as: BENEFIT SOLUTIONS, INC. | 1055 LONGFELLOW DRIVE SUITE B HIAWATHA, IA 52233 | VISION SERVICE PLAN | $739 | — | $739 | 4.99% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT ADVISORS INC | 425 2ND STREET SOUTHEAST SUITE 1275 CEDAR RAPIDS, IA 52401 | VISION SERVICE PLAN | $182 | — | $182 | 1.23% |
| NORTH RISK PARTNERS LLC3 | 2048 SUPERIOR DRIVE NORTHWEST SUITE 100 ROCHESTER, MN 59901 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $157 | $1K | 11.27% |
| BENEFIT ADVISORS INC DBA ACUMEN3 | 425 2ND STREET SOUTHEAST SUITE 1275 CEDAR RAPIDS, IA 52401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $574 | — | $574 | 5.14% |
| BENEFIT SOLUTIONS INC3 | 425 SECOND STREET SOUTHEAST SUITE 1150 CEDAR RAPIDS, IA 52401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $446 | $88 | $534 | 8.50% |
| BENEFIT ADVISORS INC DBA ACUMEN3 | 425 2ND STREET SOUTHEAST SUITE 1275 CEDAR RAPIDS, IA 52401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $245 | — | $245 | 3.90% |
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 | 217 | 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) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 60 | $646K |
| Dental | DELTA DENTAL OF IOWA | 77 | $60K |
| Vision | VISION SERVICE PLAN | 89 | $15K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 113 | $6K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 113 | $21K |
| Prescription drug(2 contracts, 2 carriers) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 60 | $646K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 113 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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.