| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS INC3 Filed as: BENEFITS ADVISORS, INC | 425 2ND ST SE STE 1150 CEDAR RAPIDS, IA 52401 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $24 | — | $24 | 0.01% |
| JERRI J GREGORY3 | 791 NW 43RD AVE DES MOINES, IA 50313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $3K | $8K | 11.44% |
| ACUMEN ADVISORS INC3 Filed as: ACUMEN ADVISORS | 425 2ND ST SE, STE 1275 CEDAR RAPIDS, IA 52401 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 9.65% |
| JENNIFER L HAVLOVICK3 | 4920 PLEASANT ST WEST DES MOINES, IA 50266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $115 | $2K | 3.13% |
| JOSEPH P CALARCO3 Filed as: JOSEPH MICHAEL EVANS | 4721 BROOKVIEW DRIVE WEST DES MOINES, IA 50265 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $759 | $2K | 2.88% |
| AMANDA M GRIFFITH3 Filed as: AMANDA JEANNE KANE | 7505 SE VADALIA DR RUNNELLS, IA 50237 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $642 | $317 | $959 | 1.34% |
| JUAN C FERLINI3 Filed as: JUAN C GONZALES | 11297 N 4TH AVE W COLFAX, IA 50054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $514 | — | $514 | 0.72% |
| RICHARD J GINTHER3 | 4220 LINCOLN AVENUE DES MOINES, IA 50310 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $178 | — | $178 | 0.25% |
| ROBIN ROCHELLE WAGNER3 | 2696 PARK PLACE NORWALK, IA 50211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $153 | $19 | $172 | 0.24% |
| JERRI J GREGORY3 | 791 NW 43RD AVE DES MOINES, IA 50313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $5K | 7.50% |
| ACUMEN ADVISORS INC3 | 425 2ND ST SE, STE 1275 CEDAR RAPIDS, IA 52401 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 6.03% |
| JOSEPH P CALARCO3 Filed as: JOSEPH MICHAEL EVANS | 4721 BROOKVIEW DR WEST DES MOINES, IA 50265 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $934 | $396 | $1K | 2.20% |
| JENNIFER L HAVLOVICK3 | 4920 PLEASANT DR WEST DES MOINES, IA 50266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $736 | $36 | $772 | 1.28% |
| AMANDA M GRIFFITH3 Filed as: AMANDA JEANNE KANE | 7505 SE VANDALIA DR RUNNELLS, IA 50237 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $155 | $77 | $232 | 0.38% |
| JUAN C FERLINI3 Filed as: JUAN C GONZALES | 11297 N 4TH AVE W COLFAX, IA 50054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $192 | — | $192 | 0.32% |
| RICHARD J GINTHER3 | 4220 LINCOLN AVE DES MOINES, IA 50310 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $172 | — | $172 | 0.28% |
| ROBIN ROCHELLE WAGNER3 | 2696 PARK PLACE NORWALK, IA 50211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $98 | $12 | $110 | 0.18% |
| BRYON A BROWDER3 | 75 NW 57TH PL DES MOINES, IA 50313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.04% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT ADVISORS INC | 425 2ND ST SE SUITE 1275 CEDAR RAPIDS, IA 52401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT ADVISORS INC | 425 2ND ST SE SUITE 1275 CEDAR RAPIDS, IA 52401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT ADVISORS INC | 425 2ND ST SE SUITE 1275 CEDAR RAPIDS, IA 52401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $905 | — | $905 | 12.66% |
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 | 105 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 52 | $528K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 105 | $79K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 104 | $80K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 105 | $21K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 105 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.