| 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 | $5K | $654 | $6K | 7.38% |
| 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 | 5.39% |
| AMANDA M GRIFFITH3 Filed as: AMANDA JEANNE KANE | 7505 SE VANDALIA DR RUNNELLS, IA 50237 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $797 | $60 | $857 | 1.05% |
| JOSEPH P CALARCO3 Filed as: JOSEPH MICHAEL EVANS | 13848 ROSEWOOD DRIVE CLIVE, IA 50325 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $766 | — | $766 | 0.94% |
| RICHARD J GINTHER3 | 4220 LINCOLN AVENUE DES MOINES, IA 50310 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $150 | — | $150 | 0.18% |
| BRYAN JAMES STAMPER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $132 | — | $132 | 0.16% |
| MICHELLE LEIGH HAGLER3 | 5101 SOUTH UNION DES MOINES, IA 50315 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | — | $96 | 0.12% |
| ACUMEN ADVISORS INC3 Filed as: ACUMEN ADVISORS, INC. | CHICAGO 1910 E. KIMBERLY RD STE 316 DAVENPORT, IA 52807 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 14.24% |
| JERRI J GREGORY3 | — | COLONIAL LIFE & ACCIDENT COMPANY | $2K | $274 | $2K | 8.73% |
| ACUMEN ADVISORS INC3 | — | COLONIAL LIFE & ACCIDENT COMPANY | $2K | — | $2K | 6.39% |
| AMANDA M GRIFFITH3 Filed as: AMANDA JEANNE KANE | — | COLONIAL LIFE & ACCIDENT COMPANY | $338 | $28 | $366 | 1.38% |
| JOSEPH P CALARCO3 Filed as: JOSEPH MICHAEL EVANS | — | COLONIAL LIFE & ACCIDENT COMPANY | $259 | — | $259 | 0.98% |
| BRYAN JAMES STAMPER3 | — | COLONIAL LIFE & ACCIDENT COMPANY | $103 | — | $103 | 0.39% |
| MICHELLE LEIGH HAGLER3 | — | COLONIAL LIFE & ACCIDENT COMPANY | $103 | — | $103 | 0.39% |
| RICHARD J GINTHER3 | — | COLONIAL LIFE & ACCIDENT COMPANY | $30 | — | $30 | 0.11% |
| ACUMEN ADVISORS INC3 Filed as: ACUMEN ADVISORS, INC. | CHICAGO 1910 E. KIMBERLY RD STE 316 DAVENPORT, IA 52807 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $867 | $4K | 17.63% |
| ACUMEN ADVISORS INC3 Filed as: ACUMEN ADVISORS, INC. | CHICAGO 1910 E. KIMBERLY RD STE 316 DAVENPORT, IA 52807 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $604 | $3K | 18.81% |
| JERRI J GREGORY3 | 791 NW 43RD AVE DES MOINES, IA 50313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $237 | $2K | 14.34% |
| ACUMEN ADVISORS INC3 Filed as: ACUMEN ADVISORS, INC. | 425 2ND ST SE STE 1275 CEDAR RAPIDS, IA 52401 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 9.47% |
| AMANDA M GRIFFITH3 Filed as: AMANDA JEANNE KANE | 7505 SE VANDALIA DR RUNNELLS, IA 50237 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $232 | $21 | $253 | 2.03% |
| JOSEPH P CALARCO3 Filed as: JOSEPH MICHAEL EVANS | 13848 ROSEWOOD DRIVE CLIVE, IA 50325 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $99 | — | $99 | 0.79% |
| BRYAN JAMES STAMPER3 | 2406 MANSFIELD DR DES MOINES, IA 50317 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.20% |
| MICHELLE LEIGH HAGLER3 | 5101 SOUTH UNION DES MOINES, IA 50315 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.20% |
| RICHARD J GINTHER3 | 4220 LINCOLN AVE DES MOINES, IA 50310 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.14% |
| ACUMEN ADVISORS INC3 Filed as: ACUMEN ADVISORS, INC. | CHICAGO 1910 E. KIMBERLY RD. STE 316 DAVENPORT, IA 52807 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $622 | $262 | $884 | 14.21% |
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 | 95 | 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) | 95 | 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 | 93 | $5.0M |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 132 | $104K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT COMPANY | 31 | $39K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 132 | $21K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 132 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.