| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BERNIE LOWE & ASSOCIATES INC3 Filed as: BERNIE LOWE AND ASSOCIATES | 1555 SE DELAWARE AVENUE, SUITE A ANKENY, IA 50021 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $25K | — | $25K | 1.23% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS, LTD | 12006 RIDGEMONT DRIVE URBANDALE, IA 50323 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $5K | — | $5K | 0.26% |
| UNKNOWN3 | UNKNOWN GRINNELL, IA 50112 | BLUE CARE NETWORK OF MICHIGAN | $32K | — | $32K | 3.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 400 HIGHWAY 169 SOUTH, 8TH FLOOR SAINT LOUIS PARK, MN 55426 | UNION SECURITY INSURANCE COMPANY | $17K | $51 | $18K | 5.89% |
| BERNIE LOWE & ASSOCIATES INC3 Filed as: BERNIE LOWE AND ASSOCIATES | 1555 SE DELAWARE AVENUE, SUITE A ANKENY, IA 50021 | WELLMARK HEALTH PLAN OF IOWA | $3K | — | $3K | 1.19% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS, LTD | 12006 RIDGEMONT DRIVE URBANDALE, IA 50323 | WELLMARK HEALTH PLAN OF IOWA | $638 | — | $638 | 0.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 400 HIGHWAY 169 SOUTH, SUITE 800 SAINT LOUIS PARK, MN 55426 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 12.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 666 WALNUT STREET, 9TH FLOOR DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $124 | — | $124 | 1.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 400 HIGHWAY 169 SOUTH, 8TH FLOOR SAINT LOUIS PARK, MN 55426 | VISION SERVICE PLAN | $318 | — | $318 | 3.22% |
| TRUE NORTH COMPANIES LC3 Filed as: TRUE NORTH COMPANIES, LC | PO BOX 1863 CEDAR RAPIDS, IA 52406 | VISION SERVICE PLAN | $269 | — | $269 | 2.72% |
| BERNIE LOWE & ASSOCIATES INC3 Filed as: BERNIE LOWE AND ASSOCIATES, INC. | 1555 SE DELAWARE AVENUE, SUITE A ANKENY, IA 50021 | VISION SERVICE PLAN | $158 | — | $158 | 1.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 4300 MARKETPOINTE DRIVE, SUITE 600 BLOOMINGTON, MN 55435 | HARTFORD LIFE AND ACCIDENT | $887 | — | $887 | 10.55% |
| BERNIE LOWE & ASSOCIATES INC3 Filed as: BERNIE LOWE AND ASSOCIATES, INC. | 1555 SE DELAWARE AVENUE, SUITE A ANKENY, IA 50021 | HARTFORD LIFE AND ACCIDENT | $3 | — | $3 | 0.04% |
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 | 901 | 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) | 901 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 338 | $3.1M |
| Dental | UNION SECURITY INSURANCE COMPANY | 901 | $297K |
| Vision(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 901 | $307K |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 901 | $306K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 46 | $10K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 10 | $8K |
| Prescription drug(3 contracts, 3 carriers) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 338 | $3.1M |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 901 | $306K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 901 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.