| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACUMEN ADVISORS INC3 Filed as: ACUMEN | 425 2ND STREET SOUTHEAST SUITE 1150 CEDAR RAPIDS, IA 52401 | DELTA DENTAL OF IOWA | $4K | — | $4K | 6.09% |
| BENEFIT ADVISORS INC DBA ACUMEN3 | 425 2ND STREET SOUTHEAST SUITE 1275 CEDAR RAPIDS, IA 52401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 13.37% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURNACE SERVICES INC | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BUILDING II, SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $275 | $275 | 1.24% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT ADVISORS INC | 425 2ND STREET SOUTHEAST SUITE 1275 CEDAR RAPIDS, IA 52401 | VISION SERVICE PLAN | $967 | — | $967 | 6.04% |
| BENEFIT ADVISORS INC DBA ACUMEN3 | 425 2ND STREET SOUTHEAST SUITE 1275 CEDAR RAPIDS, IA 52401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.09% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BUILDING II, SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $146 | $146 | 1.25% |
| NORTH RISK PARTNERS LLC3 | 2048 SUPERIOR DRIVE NORTHWEST SUITE 100 ROCHESTER, MN 59901 | RELIANCE STANDARD LIFE INSURANCE COMPANY | -$10 | — | -$10 | -0.09% |
| BENEFIT ADVISORS INC DBA ACUMEN3 | 425 2ND STREET SOUTHEAST SUITE 1275 CEDAR RAPIDS, IA 52401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $721 | — | $721 | 11.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BUILDING II, SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $83 | $83 | 1.27% |
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 | 240 | 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) | 242 | 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 | 44 | $567K |
| Dental | DELTA DENTAL OF IOWA | 83 | $60K |
| Vision | VISION SERVICE PLAN | 86 | $16K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 114 | $18K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 112 | $22K |
| Prescription drug(2 contracts, 2 carriers) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 44 | $567K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 114 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.