| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACUMEN ADVISORS INC3 | 425 2ND ST SE, SUITE 1275 CEDAR RAPIDS, IA 52401 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 11.10% |
| ACUMEN ADVISORS INC3 Filed as: ACUMEN | 425 2ND STREET SE, SUITE 1275 CEDAR RAPIDS, IA 52401 | VERATRUS BENEFIT SOLUTIONS | $2K | $0 | $2K | 10.93% |
| MAUREEN NAVARA3 | 410 GOLDFINCH CIR TIFFIN, IA 52340 | AFLAC | $1K | $99 | $1K | 12.15% |
| CORY D NELSON3 Filed as: CORY NELSON | 215 HWY 965 NE STE 3 NORTH LIBERTY, IA 52317 | AFLAC | $236 | $23 | $259 | 2.37% |
| D BRAMOW AGENCY LLC3 | 3349 SOUTHGATE CT SW STE 109 CEDAR RAPIDS, IA 52404 | AFLAC | $195 | $6 | $201 | 1.84% |
| SARA LANG3 | P.O. BOX 232 TIFFIN, IA 52340 | AFLAC | $174 | $17 | $191 | 1.74% |
| NANCY KINTZLE3 | 26201 212TH AVE DELHI, IA 52223 | AFLAC | $115 | — | $115 | 1.05% |
| ROGERS BENEFIT GROUP INC3 Filed as: KATIE ROGERS | 3349 SOUTHGATE CT SW STE 109 CEDAR RAPIDS, IA 52404 | AFLAC | $52 | — | $52 | 0.47% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS INSURANCE INC | 465 NORTHLAND AVE NE STE 201 CEDAR RAPIDS, IA 52402 | AFLAC | $46 | — | $46 | 0.42% |
| CARLY REMINGTON3 | 7700 PIN TAIL DR NE CEDAR RAPIDS, IA 52402 | AFLAC | $18 | — | $18 | 0.16% |
| CONSUMER SYSTEMS INC3 | 276 PEACE AVE NW CEDAR RAPIDS, IA 52405 | AFLAC | $15 | — | $15 | 0.14% |
| MICHELLE SMITH3 | 463 NORTHLAND AVE NE STE 204 CEDAR RAPIDS, IA 52404 | AFLAC | $10 | — | $10 | 0.09% |
| THE TODD GROUP3 | 4409 BLAIR RIDGE RD CEDAR FALLS, IA 50613 | AFLAC | $9 | — | $9 | 0.08% |
| MITCHELL J MCCALL3 Filed as: MITCHELL MCCALL | 3 STONERIDGE DR KEOKUK, IA 52632 | AFLAC | $9 | — | $9 | 0.08% |
| MATTHEW D BUTLER3 Filed as: MATTHEW BUTLER | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $9 | — | $9 | 0.08% |
| JOSHUA J PARISE3 Filed as: JOSHUA PARISE | 7325 JANES AVE WOODRIDGE, IL 60517 | AFLAC | $5 | — | $5 | 0.05% |
| SCOTT R FRITCHER3 Filed as: SCOTT FRITCHER | 7408 LONGBOAT FR JOHNSTON, IA 50131 | AFLAC | $1 | — | $1 | 0.01% |
| JAMES L HAYES3 Filed as: JAMES HAYES | 1547 CEDAR SPRINGS CT NORTH LIBERTY, IA 52317 | AFLAC | $1 | — | $1 | 0.01% |
| HEATHER D SWANSON3 Filed as: HEATHER SWANSON | 115 SE BAYTREE DR WAUKEE, IA 50263 | AFLAC | $1 | — | $1 | 0.01% |
| BERNARD BRAZEAU3 | 6705 GRIMES ST INDIANOLA, IA 50125 | AFLAC | $1 | — | $1 | 0.01% |
| ACUMEN ADVISORS INC3 Filed as: ACUMEN ADVISORS INC. | 425 2ND ST SE SUITE 1275 CEDAR RAPIDS, IA 52401 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $181 | — | $181 | 3.49% |
| JERRI J GREGORY3 | 791 NW 43RD AVE DES MOINES, IA 50313 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $139 | — | $139 | 2.68% |
| AMANDA M GRIFFITH3 Filed as: AMANDA JEANNE KANE | 7505 SE VANDALIA DR RUNNELLS, IA 50237 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $81 | — | $81 | 1.56% |
| JOSEPH P CALARCO3 Filed as: JOSEPH MICHAEL EVANS | 13848 ROSEWOOD DRIVE CLIVE, IA 50325 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 0.69% |
| ACUMEN ADVISORS INC3 Filed as: ACUMEN | 425 2ND STREET SE, SUITE 1275 CEDAR RAPIDS, IA 52401 | DELTA DENTAL OF IOWA | $3K | $402 | $4K | — |
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 | 177 | 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) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WELLMARK HEALTH PLAN OF IOWA | 177 | $1.6M |
| Dental | DELTA DENTAL OF IOWA | 145 | $0 |
| Vision | VERATRUS BENEFIT SOLUTIONS | 164 | $17K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 177 | $45K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 14 | $16K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 177 | $45K |
| Prescription drug(2 contracts, 2 carriers) | WELLMARK HEALTH PLAN OF IOWA | 177 | $1.6M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 177 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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.