| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACUMEN ADVISORS INC3 | 425 2ND ST STE 1275 CEDAR RAPIDS, IA 52401 | WELLMARK BLUE CROSS BLUE SHIELD OF IOWA | $19K | $0 | $19K | 2.67% |
| ZACH CORPORATION3 | 3022 AIRPORT BLVD WATERLOO, IA 50704 | WELLMARK BLUE CROSS BLUE SHIELD OF IOWA | $11K | $0 | $11K | 1.52% |
| ACUMEN ADVISORS INC3 | 425 2ND ST STE 1275 CEDAR RAPIDS, IA 52401 | WELLMARK HEALTH PLAN OF IOWA | $4K | $0 | $4K | 5.02% |
| ZACH CORPORATION3 | 3022 AIRPORT BLVD WATERLOO, IA 50704 | WELLMARK HEALTH PLAN OF IOWA | $2K | $0 | $2K | 2.70% |
| ACUMEN ADVISORS INC3 | 1910 E KIMBERLY RD STE 316 DAVENPORT, IA 52807 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 11.98% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 | PO BOX 2597 3022 AIRPORT BLVD WATERLOO, IA 50704 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $909 | $0 | $909 | 2.84% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $321 | $321 | 1.00% |
| ACUMEN ADVISORS INC3 | 1910 E KIMBERLY RD STE 316 DAVENPORT, IA 52807 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 15.66% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 | PO BOX 2597 3022 AIRPORT BLVD WATERLOO, IA 50704 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $838 | $0 | $838 | 3.84% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $280 | $280 | 1.28% |
| ACUMEN ADVISORS INC3 | 1910 E KIMBERLY RD STE 316 DAVENPORT, IA 52807 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.41% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 | PO BOX 2597 3022 AIRPORT BLVD WATERLOO, IA 50704 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $593 | $0 | $593 | 5.58% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT ADVISORS INC | 425 2ND ST STE 1275 CEDAR RAPIDS, IA 524011824 | VISION SERVICE PLAN | $646 | $0 | $646 | 6.69% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 | PO BOX 2597 3022 AIRPORT BLVD WATERLOO, IA 50704 | VISION SERVICE PLAN | $250 | $0 | $250 | 2.59% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC DBA EASECENTRAL | 1980 FESTIVAL PLAZA LAS VEGAS, NV 891352958 | VISION SERVICE PLAN | $112 | $0 | $112 | 1.16% |
| ACUMEN ADVISORS INC3 | 1910 E KIMBERLY RD STE 316 DAVENPORT, IA 52807 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $556 | $449 | $1K | 13.40% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 | PO BOX 2597 3022 AIRPORT BLVD WATERLOO, IA 50704 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $194 | $0 | $194 | 2.59% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $94 | $94 | 1.25% |
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. |
| 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) | 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 | 67 | $810K |
| Vision | VISION SERVICE PLAN | 69 | $10K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $18K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $32K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $22K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $18K |
| 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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.