| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACUMEN ADVISORS INC3 | 425 2ND ST SE, SUITE 1275 CEDAR RAPIDS, IA 52401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $1K | $5K | 16.03% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WESTLAKE HILLS, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $330 | $330 | 1.06% |
| ACUMEN ADVISORS INC3 Filed as: ACUMEN | 425 2ND STREET SE, SUITE 1275 CEDAR RAPIDS, IA 52401 | VERATRUS BENEFIT SOLUTIONS | $2K | — | $2K | 10.75% |
| ACUMEN ADVISORS INC3 Filed as: ACUMEN | 425 2ND STREET SE, SUITE 1275 CEDAR RAPIDS, IA 52401 | DELTA DENTAL OF IOWA | $4K | $347 | $4K | 23.51% |
| JERRI J GREGORY3 | 791 NW 43RD AVE DES MOINES, IA 50313 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $1 | $1K | 8.73% |
| ACUMEN ADVISORS INC3 Filed as: ACUMEN ADVISORS INC. | 425 2ND ST SE SUITE 1275 CEDAR RAPIDS, IA 52401 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $686 | — | $686 | 5.53% |
| AMANDA M GRIFFITH3 Filed as: AMANDA JEANNE KANE | 7505 SE VANDALIA DR RUNNELLS, IA 50237 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $206 | — | $206 | 1.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $115 | $7 | $122 | 0.98% |
| JOSEPH P CALARCO3 Filed as: JOSEPH MICHAEL EVANS | 13848 ROSEWOOD DRIVE CLIVE, IA 50325 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.19% |
| MAUREEN NAVARA3 | 410 GOLDFINCH CIR TIFFIN, IA 52340 | AFLAC | $1K | $10 | $1K | 12.98% |
| D BRAMOW AGENCY LLC3 | 3349 SOUTHGATE CT SW STE 109 CEDAR RAPIDS, IA 52404 | AFLAC | $246 | $2 | $248 | 2.58% |
| HOLLY A BRINK3 | 30601 DEER TRAIL RD NEW HARTFORD, IA 50660 | AFLAC | $134 | $2 | $136 | 1.42% |
| SARA LANG3 | P.O. BOX 232 TIFFIN, IA 52340 | AFLAC | $105 | — | $105 | 1.09% |
| CORY D NELSON3 Filed as: CORY NELSON | 215 HWY 965 NE STE 3 NORTH LIBERTY, IA 52317 | AFLAC | $91 | — | $91 | 0.95% |
| NANCY KINTZLE3 | 26201 212TH AVE DELHI, IA 52223 | AFLAC | $59 | — | $59 | 0.61% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS INSURANCE INC | 465 NORTHLAND AVE NE STE 201 CEDAR RAPIDS, IA 52402 | AFLAC | $33 | — | $33 | 0.34% |
| THERESA WILLIAMS JONES3 Filed as: THERESA JONES | 125 CLIFFVIEW DR QUITMAN, AR 72131 | AFLAC | $25 | — | $25 | 0.26% |
| CARLY REMINGTON3 | 7700 PIN TAIL DR NE CEDAR RAPIDS, IA 52402 | AFLAC | $18 | — | $18 | 0.19% |
| CONSUMER SYSTEMS INC3 | 276 PEACE AVE NW CEDAR RAPIDS, IA 52405 | AFLAC | $16 | — | $16 | 0.17% |
| ROGERS BENEFIT GROUP INC3 Filed as: KATIE ROGERS | 3349 SOUTHGATE CT SW STE 109 CEDAR RAPIDS, IA 52404 | AFLAC | $12 | — | $12 | 0.13% |
| MICHELLE SMITH3 | 5095 VALLEY FARM RD CENTRAL CITY, IA 52214 | AFLAC | $10 | — | $10 | 0.10% |
| MITCHELL J MCCALL3 Filed as: MITCHELL MCCALL | 3 STONERIDGE DR KEOKUK, IA 52632 | AFLAC | $5 | — | $5 | 0.05% |
| JOSHUA J PARISE3 Filed as: JOSHUA PARISE | 7325 JANES AVE WOODRIDGE, IL 60517 | AFLAC | $5 | — | $5 | 0.05% |
| MATTHEW D BUTLER3 Filed as: MATTHEW BUTLER | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | 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 | $0 | — | $0 | 0.00% |
| BERNARD BRAZEAU3 | 6705 GRIMES ST INDIANOLA, IA 50125 | AFLAC | $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 | 192 | 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) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK HEALTH PLAN OF IOWA | 156 | $1.9M |
| Dental | DELTA DENTAL OF IOWA | 156 | $16K |
| Vision | VERATRUS BENEFIT SOLUTIONS | 167 | $20K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 172 | $31K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 22 | $22K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 172 | $31K |
| Prescription drug | WELLMARK HEALTH PLAN OF IOWA | 156 | $1.9M |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 172 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.