| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACUMEN ADVISORS INC3 Filed as: ACUMEN ADVISORS INC. | 425 2ND ST SE STE 1275 CEDAR RAPIDS, IA 52401 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 6.26% |
| JERRI J GREGORY3 | 791 NW 43RD AVE DES MOINES, IA 50313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $426 | $5K | 5.96% |
| JOSEPH P CALARCO3 Filed as: JOSEPH MICHAEL EVANS | 4721 BROOKVIEW DRIVE WEST DES MOINES, IA 50265 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $239 | $1K | 1.69% |
| AMANDA M GRIFFITH3 Filed as: AMANDA JEANNE KANE | 7505 SE VANDALIA DR RUNNELLS, IA 50237 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $771 | $55 | $826 | 1.06% |
| BRYAN JAMES STAMPER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $760 | — | $760 | 0.97% |
| MICHELLE LEIGH HAGLER3 | 5101 SOUTH UNION DES MOINES, IA 50315 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $615 | $7 | $622 | 0.80% |
| RICHARD J GINTHER3 | 4220 LINCOLN AVENUE DES MOINES, IA 50310 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $167 | — | $167 | 0.21% |
| JUAN C FERLINI3 Filed as: JUAN C GONZALES | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | $1 | $37 | 0.05% |
| ACUMEN ADVISORS INC3 | — | COLONIAL LIFE & ACCIDENT COMPANY | $4K | — | $4K | 7.49% |
| JERRI J GREGORY3 | — | COLONIAL LIFE & ACCIDENT COMPANY | $3K | $333 | $3K | 7.01% |
| JOSEPH P CALARCO3 Filed as: JOSEPH MICHAEL EVANS | — | COLONIAL LIFE & ACCIDENT COMPANY | $754 | $195 | $949 | 1.92% |
| AMANDA M GRIFFITH3 Filed as: AMANDA JEANNE KANE | — | COLONIAL LIFE & ACCIDENT COMPANY | $575 | $43 | $618 | 1.25% |
| MICHELLE LEIGH HAGLER3 | — | COLONIAL LIFE & ACCIDENT COMPANY | $535 | $6 | $541 | 1.09% |
| BRYAN JAMES STAMPER3 | — | COLONIAL LIFE & ACCIDENT COMPANY | $518 | — | $518 | 1.05% |
| RICHARD J GINTHER3 | — | COLONIAL LIFE & ACCIDENT COMPANY | $99 | — | $99 | 0.20% |
| JUAN C FERLINI3 Filed as: JUAN C GONZALES | — | COLONIAL LIFE & ACCIDENT COMPANY | $65 | $2 | $67 | 0.14% |
| ACUMEN ADVISORS INC3 Filed as: ACUMEN ADVISORS, INC. | CHICAGO 425 2ND ST SE, STE 1275 CEDAR RAPIDS, IA 52401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $185 | $2K | 10.92% |
| ACUMEN ADVISORS INC3 Filed as: ACUMEN ADVISORS, INC. | CHICAGO 425 2ND ST SE, STE 1275 CEDAR RAPIDS, IA 52401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $134 | $2K | 15.92% |
| ACUMEN ADVISORS INC3 Filed as: ACUMEN ADVISORS, INC. | CHICAGO 425 2ND ST SE, STE 1275 CEDAR RAPIDS, IA 52401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $109 | $2K | 15.98% |
| JERRI J GREGORY3 | 791 NW 43RD AVE DES MOINES, IA 50313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $583 | $76 | $659 | 8.49% |
| ACUMEN ADVISORS INC3 Filed as: ACUMEN ADVISORS, INC. | 425 2ND ST SE STE 1275 CEDAR RAPIDS, IA 52401 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $627 | — | $627 | 8.08% |
| JOSEPH P CALARCO3 Filed as: JOSEPH MICHAEL EVANS | 4721 BROOKVIEW DRIVE WEST DES MOINES, IA 50265 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $132 | $48 | $180 | 2.32% |
| AMANDA M GRIFFITH3 Filed as: AMANDA JEANNE KANE | 7505 SE VANDALIA DR RUNNELLS, IA 50237 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $133 | $12 | $145 | 1.87% |
| MICHELLE LEIGH HAGLER3 | 5101 SOUTH UNION DES MOINES, IA 50315 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $130 | $1 | $131 | 1.69% |
| BRYAN JAMES STAMPER3 | 2406 MANSFIELD DR DES MOINES, IA 50317 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $130 | — | $130 | 1.67% |
| RICHARD J GINTHER3 | 4220 LINCOLN AVE DES MOINES, IA 50310 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.23% |
| ACUMEN ADVISORS INC3 Filed as: ACUMEN ADVISORS, INC. | CHICAGO 425 2ND ST SE, SUITE 1275 CEDAR RAPIDS, IA 52401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $449 | $42 | $491 | 10.93% |
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 | 116 | 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) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WELLMARK HEALTH PLAN OF IOWA | 65 | $608K |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 144 | $94K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT COMPANY | 32 | $57K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $15K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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.