| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | TWO PIERCE PLACE ITASCA, IL 60143 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $24K | — | $24K | 1.68% |
| BERNIE LOWE & ASSOCIATES INC3 | 1555 SE DELAWARE AVENUE, SUITE A ANKENY, IA 50021 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $5K | — | $5K | 0.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD FL 11 ROLLING MEADOWS, IL 600084050 | PRINCIPLE LIFE INSURANCE COMPANY | $11K | — | $11K | 9.11% |
| BERNIE LOWE & ASSOCIATES INC3 | 615 HORSESHOE DR STE G GRINNELL, IA 501124711 | PRINCIPLE LIFE INSURANCE COMPANY | $2K | — | $2K | 1.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES -DSM | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | DELTA DENTAL OF IOWA | $3K | $601 | $4K | 5.24% |
| BERNIE LOWE & ASSOCIATES INC3 | 1555 SE DELAWARE AVENUE, SUITE A ANKENY, IA 50021 | DELTA DENTAL OF IOWA | $691 | — | $691 | 0.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES -DSM | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | VERATRUS BENEFIT SOLUTIONS | $1K | — | $1K | 8.25% |
| BERNIE LOWE & ASSOCIATES INC3 | 1555 SE DELAWARE AVENUE, SUITE A ANKENY, IA 50021 | VERATRUS BENEFIT SOLUTIONS | $238 | — | $238 | 1.72% |
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 | 178 | 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) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 152 | $1.4M |
| Dental | DELTA DENTAL OF IOWA | 125 | $78K |
| Vision | VERATRUS BENEFIT SOLUTIONS | 83 | $14K |
| Life insurance | PRINCIPLE LIFE INSURANCE COMPANY | 425 | $122K |
| Short-term disability | PRINCIPLE LIFE INSURANCE COMPANY | 425 | $122K |
| Long-term disability | PRINCIPLE LIFE INSURANCE COMPANY | 425 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 425 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.