| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JERRI J GREGORY3 | 791 NW 43RD AVE DES MOINES, IA 50313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 8.33% |
| ACUMEN ADVISORS INC3 Filed as: ACUMEN ADVISORS INC. | 425 2ND ST SE STE 1275 CEDAR RAPIDS, IA 52401 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 5.92% |
| JOSEPH P CALARCO3 Filed as: JOSEPH MICHAEL EVANS | 4721 BROOKVIEW DRIVE WEST DES MOINES, IA 50265 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $317 | $1K | 1.88% |
| AMANDA M GRIFFITH3 Filed as: AMANDA JEANNE KANE | 7505 SE VANDALIA DR RUNNELLS, IA 50237 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $849 | $116 | $965 | 1.35% |
| JUAN C FERLINI3 Filed as: JUAN C GONZALES | 11297 N 4TH AVE W COLFAX, IA 50054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $561 | — | $561 | 0.79% |
| CHERYL SCHERR3 | 229 E. 1ST STREET PELLA, IA 50219 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $449 | $1 | $450 | 0.63% |
| ROBIN ROCHELLE WAGNER3 | 2696 PARK PLACE NORWALK, IA 50211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $449 | — | $449 | 0.63% |
| JENNIFER L HAVLOVICK3 | 4920 PLEASANT ST WEST DES MOINES, IA 50266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $185 | — | $185 | 0.26% |
| RICHARD J GINTHER3 | 4220 LINCOLN AVENUE DES MOINES, IA 50310 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $149 | — | $149 | 0.21% |
| JERRI J GREGORY3 | 791 NW 43RD AVE DES MOINES, IA 50313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 8.55% |
| ACUMEN ADVISORS INC3 Filed as: ACUMEN ADVISORS, INC. | 425 2ND ST SE STE 1275 CEDAR RAPIDS, IA 52401 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 6.43% |
| JOSEPH P CALARCO3 Filed as: JOSEPH MICHAEL EVANS | 4721 BROOKVIEW DRIVE WEST DES MOINES, IA 50265 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $862 | $272 | $1K | 1.98% |
| AMANDA M GRIFFITH3 Filed as: AMANDA JEANNE KANE | 7505 SE VANDALIA DR RUNNELLS, IA 50237 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $726 | $105 | $831 | 1.45% |
| JUAN C FERLINI3 Filed as: JUAN C GONZALES | 11297 N 4TH AVE W COLFAX, IA 50054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $558 | — | $558 | 0.97% |
| CHERYL SCHERR3 | 229 E. 1ST STREET PELLA, IA 50219 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $528 | $1 | $529 | 0.92% |
| ROBIN ROCHELLE WAGNER3 | 2696 PARK PLACE NORWALK, IA 50211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $528 | — | $528 | 0.92% |
| RICHARD J GINTHER3 | 4220 LINCOLN AVE DES MOINES, IA 50310 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $135 | — | $135 | 0.24% |
| JENNIFER L HAVLOVICK3 | 4920 PLEASANT ST WEST DES MOINES, IA 50266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | — | $64 | 0.11% |
| BRYON A BROWDER3 | 75 NW 57TH PL DES MOINES, IA 50313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.03% |
| 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 | $377 | $3K | 17.16% |
| 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 | $2K | $343 | $3K | 17.20% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT ADVISORS, INC. | 425 2ND ST SE SUIRE 1275 CEDAR RAPIDS, IA 52401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $730 | $124 | $854 | 15.17% |
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 | 120 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WELLMARK BLUE CROSS & BLUE SHIELD OF IOWA | 65 | $471K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 120 | $77K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 120 | $73K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 120 | $17K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 120 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.