| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $2K | $9K | 11.34% |
| THE ACCEL GROUP LLC3 Filed as: THE ACCEL GROUP, LLC | 301 OAK RIDGE CIRCLE WAVERLY, IA 50677 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.34% |
| THE ACCEL GROUP LLC3 Filed as: THE ACCEL GROUP | 301 OAK RIDGE CIRCLE WAVERLY, IA 50677 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $235 | $0 | $235 | 0.30% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | DELTA DENTAL OF IOWA | $3K | $806 | $4K | 5.43% |
| THE ACCEL GROUP LLC3 Filed as: THE ACCEL GROUP | 301 OAK RIDGE CIRCLE WAVERLY, IA 50677 | DELTA DENTAL OF IOWA | $0 | $582 | $582 | 0.80% |
| TRENTON GOSNELL3 | 2555 SE BLUESTEM DRIVE WAUKEE, IA 50263 | AFLAC | $3K | $353 | $4K | 8.82% |
| MARY-JOYCE LICATA3 Filed as: MARY BISHOP | 5100 SE 30TH STREET DES MOINES, IA 50320 | AFLAC | $2K | $52 | $2K | 4.18% |
| MATTHEW J CARRIKER3 Filed as: MATTHEW CARRIKER | 801 FOX RUN DRIVE OSKALOOSA, IA 52577 | AFLAC | $457 | $182 | $639 | 1.55% |
| SHANE MICHAEL CHAFA & OTHER AGENTS3 Filed as: SHANE CHAFA AND OTHER AGENTS | 9103 LENHAM DRIVE JOHNSTON, IA 50131 | AFLAC | $474 | $32 | $506 | 1.23% |
| HOWARD EATON3 | 3141 PRAIRIE ROSE DRIVE NORWALK, IA 50211 | AFLAC | $354 | $142 | $496 | 1.20% |
| GINA WIEGAND3 | 20379 TWIN PINES DRIVE EARLHAM, IA 50072 | AFLAC | $409 | $0 | $409 | 0.99% |
| D BRAMOW AGENCY LLC3 Filed as: D BRAMOW AGENCY, LLC | 3349 SOUTHGATE COURT SW, SUITE 109 CEDAR RAPIDS, IA 52404 | AFLAC | $290 | $0 | $290 | 0.70% |
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 | 229 | 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) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 113 | $1.4M |
| Dental | DELTA DENTAL OF IOWA | 89 | $73K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 229 | $78K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 229 | $78K |
| Short-term disability | AFLAC | 37 | $41K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 229 | $78K |
| Prescription drug | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 113 | $1.4M |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 229 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.