| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT ADVISORS INC DBA ACUMEN3 Filed as: BENEFIT ADVISORS INC DBA ACUME | 425 2ND ST SE STE 175 CEDAR RAPIDS, IA 52401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 6.88% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, L.C. | 500 1ST ST SE PO BOX 1863 CEDAR RAPIDS, IA 524061863 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $153 | $2K | 4.68% |
| UNITED BENEFIT ADVISORS LLC3 Filed as: UNITED BENEFIT ADVISORS INC | STE 250 280 E. 96TH STREET INDIANAPOLIS, IN 46240 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| ACUMEN ADVISORS INC3 Filed as: ACUMEN | 425 2ND STREET SE STE 1275 CEDAR RAPIDS, IA 52401 | VERATRUS BENEFIT SOLUTIONS | $778 | — | $778 | 5.81% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, LLC | PO BOX 1863 CEDAR RAPIDS, IA 52406 | VERATRUS BENEFIT SOLUTIONS | $562 | — | $562 | 4.20% |
| BENEFIT ADVISORS INC DBA ACUMEN3 Filed as: BENEFIT ADVISORS INC DBA ACUME | 425 2ND ST SE STE 175 CEDAR RAPIDS, IA 52401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $744 | — | $744 | 8.90% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, L.C. | 500 1ST ST SE PO BOX 1863 CEDAR RAPIDS, IA 524061863 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $547 | $27 | $574 | 6.86% |
| UNITED BENEFIT ADVISORS LLC3 Filed as: UNITED BENEFIT ADVISORS INC | STE 250 280 E. 96TH STREET INDIANAPOLIS, IN 46240 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
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 | 135 | 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) | 135 | 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 | 70 | $866K |
| Vision | VERATRUS BENEFIT SOLUTIONS | 104 | $13K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 135 | $56K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 135 | $48K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 135 | $48K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 135 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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.