| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACUMEN ADVISORS INC3 Filed as: ACUMEN | 425 2ND STREET SOUTHEAST SUITE 1275 CEDAR RAPIDS, IA 52401 | DELTA DENTAL OF IOWA | $3K | $511 | $4K | 6.89% |
| BENEFIT ADVISORS INC DBA ACUMEN3 | 425 2ND STREET SOUTHEAST SUITE 1275 CEDAR RAPIDS, IA 52401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 13.55% |
| 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 | — | $274 | $274 | 1.30% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT ADVISORS INC | 425 2ND STREET SOUTHEAST SUITE 1275 CEDAR RAPIDS, IA 52401 | VISION SERVICE PLAN | $906 | — | $906 | 6.42% |
| BENEFIT ADVISORS INC DBA ACUMEN3 | 425 2ND STREET SOUTHEAST SUITE 1275 CEDAR RAPIDS, IA 52401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BUILDING II, SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $148 | $148 | 1.16% |
| BENEFIT ADVISORS INC DBA ACUMEN3 | 425 2ND STREET SOUTHEAST SUITE 1275 CEDAR RAPIDS, IA 52401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $671 | — | $671 | 11.01% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BUILDING II, SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $80 | $80 | 1.31% |
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 | 220 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 220 | 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 | 39 | $528K |
| Dental | DELTA DENTAL OF IOWA | 77 | $55K |
| Vision | VISION SERVICE PLAN | 78 | $14K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 112 | $19K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 112 | $21K |
| Prescription drug(2 contracts, 2 carriers) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 39 | $528K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 112 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112 | — |
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.