| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BERNIE LOWE & ASSOCIATES INC3 Filed as: BERNIE LOWE & ASSOC INC | 1555 SE DELAWARE AVE, STE A ANKENY, IA 50021 | DELTA DENTAL OF IOWA | $3K | $1K | $4K | 3.32% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | P.O. BOX 9207 DES MOINES, IA 503069207 | DELTA DENTAL OF IOWA | $2K | — | $2K | 2.09% |
| BERNIE LOWE & ASSOCIATES INC3 Filed as: BERNIE LOWE & ASSOC INC | 615 HORSESHOE DR, STE G GRINNELL, IA 50112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 11.56% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | P.O. BOX 9207 DES MOINES, IA 503069207 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 8.44% |
| BERNIE LOWE & ASSOCIATES INC3 Filed as: BERNIE LOWE & ASSOC INC | 615 HORSESHOE DR, STE G GRINNELL, IA 50112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 11.86% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | P.O. BOX 9207 DES MOINES, IA 503069207 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 8.14% |
| BERNIE LOWE & ASSOCIATES INC3 Filed as: BERNIE LOWE & ASSOC INC | 615 HORSESHOE DR, STE G GRINNELL, IA 50112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $922 | — | $922 | 5.73% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | P.O. BOX 9207 DES MOINES, IA 503069207 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $687 | — | $687 | 4.27% |
| BERNIE LOWE & ASSOCIATES INC3 Filed as: BERNIE LOWE & ASSOC INC | 615 HORSESHOE DR, STE G GRINNELL, IA 50112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 11.43% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | P.O. BOX 9207 DES MOINES, IA 503069207 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 8.56% |
| BERNIE LOWE & ASSOCIATES INC3 Filed as: BERNIE LOWE & ASSOC INC | 615 HORSESHOE DR, STE G GRINNELL, IA 50112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 11.54% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | P.O. BOX 9207 DES MOINES, IA 503069207 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $868 | — | $868 | 8.46% |
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 | 224 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF IOWA | 162 | $114K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 117 | $16K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 224 | $37K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 141 | $95K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 223 | $15K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 224 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.