| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE ACCEL GROUP LLC3 | 5500 FOUNTAINS DR NE SUITE 201 CEDAR RAPIDS, IA 52411 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 5.02% |
| THE ACCEL GROUP LLC3 | 5500 FOUNTAINS DR NE SUITE 201 CEDAR RAPIDS, IA 52411 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 3.58% |
| THE ACCEL GROUP LLC3 | 5500 FOUNTAINS DR NE SUITE 201 CEDAR RAPIDS, IA 52411 | SUN LIFE ASSURANCE COMPANY OF CANADA | $18K | — | $18K | 19.06% |
| THE ACCEL GROUP LLC5 Filed as: THE ACCEL GROUP INC | 602 MAIN ST CEDAR FALLS, IA 50613 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $7K | — | $7K | 10.01% |
| WELLMARK INC5 Filed as: WELLMARK, INC | 1331 GRAND AVENUE DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $306 | — | $306 | 0.42% |
| THE ACCEL GROUP LLC5 Filed as: ACCEL GROUP INC | 602 MAIN ST CEDAR FALLS, IA 50613 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| WELLMARK INC5 Filed as: WELLMARK, INC | 1331 GRAND AVE DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $87 | — | $87 | 0.44% |
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 | 967 | 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) | 967 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 490 | $4.0M |
| Dental | WELLMARK BLUE CROSS BLUE SHIELD OF IOWA | 540 | $217K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 593 | $93K |
| Life insurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 967 | $288K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 967 | $160K |
| Other(3 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 967 | $381K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 967 | — |
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.