| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACUMEN ADVISORS INC3 Filed as: ACUMEN ADVISORS, INC. | CHICAGO 1910 E KIMBERLY RD STE 316 DAVENPORT, IA 52807 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $4K | $12K | 18.46% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICE INC | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $832 | $832 | 1.25% |
| ACUMEN ADVISORS INC3 Filed as: ACUMEN | 425 2ND STREET SE, STE 1275 CEDAR RAPIDS, IA 52401 | VERATRUS BENEFITS SOLUTIONS. | $1K | — | $1K | 10.00% |
| ACUMEN ADVISORS INC3 Filed as: ACUMEN | 425 2ND STREET SE, STE 1275 CEDAR RAPIDS, IA 52401 | DELTA DENTAL OF IOWA | $2K | $279 | $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 | 92 | 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) | 92 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WELLMARK HEALTH PLAN OF IOWA | 93 | $645K |
| Dental | DELTA DENTAL OF IOWA | 91 | $0 |
| Vision | VERATRUS BENEFITS SOLUTIONS. | 77 | $14K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $67K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $67K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.