| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACUMEN ADVISORS INC3 Filed as: ACUMEN | 425 2ND ST SE SUITE 1275 CEDAR RAPIDS, IA 52401 | HARTFORD LIFE AND ACCIDENT | $6K | $3K | $9K | 14.56% |
| ACUMEN ADVISORS INC3 Filed as: ACUMEN | 425 2ND STREET SE STE. 1275 CEDAR RAPIDS, IA 52401 | VERATRUS BENEFIT SOLUTIONS | $2K | — | $2K | 9.97% |
| ACUMEN ADVISORS INC3 | 425 2ND STREET SE STE. 1275 CEDAR RAPIDS, IA 52401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $911 | $605 | $2K | 24.95% |
| ACUMENT ADVISORS INC3 | 425 2ND STREET SE STE. 1275 CEDAR RAPIDS, IA 52401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $535 | $476 | $1K | 21.88% |
| ACUMEN ADVISORS INC3 Filed as: ACUMEN | 425 2ND STREET SE STE 1275 CEDAR RAPIDS, IA 52401 | DELTA DENTAL OF IOWA | $2K | $502 | $3K | — |
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 | 187 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WELLMARK HEALTH PLAN OF IOWA | 112 | $1.2M |
| Dental | DELTA DENTAL OF IOWA | 138 | $0 |
| Vision | VERATRUS BENEFIT SOLUTIONS | 162 | $21K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 187 | $67K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 187 | $68K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 187 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.