| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BERNIE LOWE & ASSOCIATES INC3 | 615 HORSESHOE DR STE G GRINNELL, IA 501124711 | HEALTHPARTNERS | — | $14K | $14K | 3.07% |
| THE LOWE COMPANY LLC3 | 5408 NW 88TH STREET, SUITE 120 JOHNSTON, IA 50131 | HEALTHPARTNERS | — | $14K | $14K | 2.96% |
| BERNIE LOWE & ASSOCIATES INC3 | 615 HORSESHOE DR STE G GRINNELL, IA 501124711 | PRINCIPLE LIFE INSURANCE COMPANY | $9K | — | $9K | 5.27% |
| THE LOWE COMPANY LLC3 | 5408 NW 88TH STREET, SUITE 120 JOHNSTON, IA 50131 | PRINCIPLE LIFE INSURANCE COMPANY | $7K | — | $7K | 4.38% |
| TIM TUCKER LOWE3 | 5408 NW 88TH STREET, SUITE 120 JOHNSTON, IA 50131 | PRINCIPLE LIFE INSURANCE COMPANY | $5K | — | $5K | 2.86% |
| THE LOWE COMPANY LLC3 | 5408 NW 88TH STREET, SUITE 120 JOHNSTON, IA 50131 | DELTA DENTAL OF IOWA | $3K | — | $3K | 3.45% |
| BERNIE LOWE & ASSOCIATES INC3 | 1555 SE DELAWARE AVENUE, SUITE A ANKENY, IA 50021 | DELTA DENTAL OF IOWA | $2K | $159 | $2K | 2.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES -DSM | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | DELTA DENTAL OF IOWA | — | $538 | $538 | 0.69% |
| THE LOWE COMPANY LLC3 | 5408 NW 88TH STREET, SUITE 120 JOHNSTON, IA 50131 | VERATRUS BENEFIT SOLUTIONS | $1K | — | $1K | 5.67% |
| BERNIE LOWE & ASSOCIATES INC3 | 1555 SE DELAWARE AVENUE, SUITE A ANKENY, IA 50021 | VERATRUS BENEFIT SOLUTIONS | $819 | — | $819 | 3.98% |
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 | 176 | 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) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS | 321 | $460K |
| Dental | DELTA DENTAL OF IOWA | 125 | $78K |
| Vision | VERATRUS BENEFIT SOLUTIONS | 131 | $21K |
| Life insurance | PRINCIPLE LIFE INSURANCE COMPANY | 544 | $162K |
| Short-term disability | PRINCIPLE LIFE INSURANCE COMPANY | 544 | $162K |
| Long-term disability | PRINCIPLE LIFE INSURANCE COMPANY | 544 | $162K |
| Stop-loss / reinsurancereinsurance | HEALTHPARTNERS | 321 | $460K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 544 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.