| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACUMEN ADVISORS INC3 Filed as: ACUMEN ADVISORS, INC. | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $1K | $7K | 13.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | VERATRUS BENEFIT SOLUTIONS | $2K | $0 | $2K | 9.16% |
| ACUMEN ADVISORS INC3 Filed as: ACUMEN ADVISORS, INC. | 425 2ND STREET SE, SUITE 1275 CEDAR RAPIDS, IA 52401 | VERATRUS BENEFIT SOLUTIONS | $187 | $0 | $187 | 0.90% |
| JERRI J GREGORY3 Filed as: JERRI J. GREGORY | 791 NW 43RD AVENUE DES MOINES, IA 50313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $153 | $1K | 10.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $854 | $75 | $929 | 7.74% |
| AMANDA M GRIFFITH3 Filed as: AMANDA JEANNE KANE | 7505 SE VANDALIA DRIVE RUNNELLS, IA 50237 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $221 | $0 | $221 | 1.84% |
| JOSEPH MICHAEL EVANS3 | 13848 ROSEWOOD DRIVE CLIVE, IA 50325 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $0 | $25 | 0.21% |
| MAUREEN NAVARA3 | 410 GOLDFINCH CIRCLE TIFFIN, IA 52340 | AFLAC | $672 | $23 | $695 | 9.16% |
| D BRAMOW AGENCY LLC3 Filed as: D. BRAMOW AGENCY, LLC | 3349 SOUTHGATE COURT SW, SUITE 109 CEDAR RAPIDS, IA 52404 | AFLAC | $114 | $4 | $118 | 1.55% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS INSURANCE & VARIOUS AGENTS | 465 NORTHLAND AVENUE NE SUITE 201 CEDAR RAPIDS, IA 52402 | AFLAC | $115 | $0 | $115 | 1.51% |
| SARA LANG3 | 1639 BURR DRIVE NORTH LIBERTY, IA 52317 | AFLAC | $100 | $0 | $100 | 1.32% |
| CORY D NELSON3 Filed as: CORY D. NELSON | 215 HIGHWAY 965 NE, SUITE 3 NORTH LIBERTY, IA 52317 | AFLAC | $78 | $0 | $78 | 1.03% |
| NANCY KINTZLE3 | 26201 212TH AVENUE DELHI, IA 52223 | AFLAC | $56 | $0 | $56 | 0.74% |
| HOLLY A BRINK3 Filed as: HOLLY A. BRINK | 30601 DEER TRAIL DRIVE NEW HARTFORD, IA 50660 | AFLAC | $41 | $4 | $45 | 0.59% |
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 | 184 | 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) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS BLUE SHIELD | 150 | $1.9M |
| Vision | VERATRUS BENEFIT SOLUTIONS | 163 | $21K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 179 | $51K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 26 | $20K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 179 | $51K |
| Prescription drug | WELLMARK BLUE CROSS BLUE SHIELD | 150 | $1.9M |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 179 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.