| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACUMEN ADVISORS INC3 Filed as: ACUMEN ADVISORS, INC. | 425 2ND ST SE STE 1275 CEDAR RAPIDS, IA 52401 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $0 | — | $0 | 0.00% |
| ACUMEN ADVISORS INC3 | 425 2ND ST SE STE 1275 CEDAR RAPIDS, IA 524011824 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $187 | $2K | 9.05% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BL #2 W LAKE HILLS, TX 78746 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $168 | $168 | 0.63% |
| ACUMEN ADVISORS INC3 Filed as: ACUMEN | 425 2ND STREET SE, SUITE 1275 CEDAR RAPIDS, IA 52401 | DELTA DENTAL OF IOWA | $2K | — | $2K | 9.19% |
| ACUMEN ADVISORS INC3 Filed as: ACUMEN (BENEFIT ADVISORS INC) | 425 2ND STREET SE #1275 CEDAR RAPIDS, IA 52401 | FIDELITY SECURITY LIFE COMPANY (EYEMED) | $603 | — | $603 | 8.93% |
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 | 117 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 78 | $859K |
| Dental | DELTA DENTAL OF IOWA | 60 | $23K |
| Vision | FIDELITY SECURITY LIFE COMPANY (EYEMED) | 88 | $7K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 212 | $27K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 212 | $27K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 212 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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."
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.