| 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 | $4K | $422 | $5K | 6.80% |
| ACUMEN ADVISORS INC3 | 1910 E KIMBERLY RD STE 316 DAVENPORT, IA 52807 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 18.86% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TEXAS HWY STE 600 WESTLAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $519 | $519 | 1.19% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT ADVISORS INC | 425 2ND STREET SOUTHEAST SUITE 1275 CEDAR RAPIDS, IA 524011824 | VISION SERVICE PLAN | $957 | — | $957 | 6.05% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC DBA EASECENTRAL | 1980 FESTIVAL PLAZA DR STE 810 LAS VEGAS, NV 891352958 | VISION SERVICE PLAN | $198 | — | $198 | 1.25% |
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 | 108 | 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) | 110 | 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 | 50 | $678K |
| Dental | DELTA DENTAL OF IOWA | 82 | $71K |
| Vision | VISION SERVICE PLAN | 80 | $16K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $44K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $44K |
| Prescription drug(2 contracts, 2 carriers) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 50 | $678K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115 | — |
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.