| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE ACCEL GROUP LLC3 Filed as: THE ACCEL GROUP, LLC | 301 OAK RIDGE CIRCLE WAVERLY, IA 50677 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $629 | $7K | 10.19% |
| THE ACCEL GROUP LLC3 Filed as: THE ACCEL GROUP | 301 OAK RIDGE CIRCLE WAVERLY, IA 50677 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.14% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $50 | $0 | $50 | 0.07% |
| THE ACCEL GROUP LLC3 Filed as: THE ACCEL GROUP | 301 OAK RIDGE CIRCLE WAVERLY, IA 50677 | DELTA DENTAL OF IOWA | $4K | $270 | $4K | 6.43% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | DELTA DENTAL OF IOWA | $0 | $408 | $408 | 0.66% |
| BENEFIT ADVOCATES3 | 2555 SE BLUESTEM DRIVE WAUKEE, IA 50263 | AFLAC | $426 | $69 | $495 | 7.45% |
| MARY-JOYCE LICATA3 Filed as: MARY BISHOP | 5100 SE 30TH STREET DES MOINES, IA 50320 | AFLAC | $152 | $89 | $241 | 3.63% |
| GINA WIEGAND3 Filed as: GINA WIEGAND, INC. | 20379 TWIN PINES DRIVE EARLHAM, IA 50072 | AFLAC | $48 | $35 | $83 | 1.25% |
| SHANE MICHAEL CHAFA & OTHER AGENTS3 | 9103 LENHAM DRIVE JOHNSTON, IA 50131 | AFLAC | $68 | $0 | $68 | 1.02% |
| HOWARD EATON3 | 3141 PRAIRIE ROSE DRIVE NORWALK, IA 50211 | AFLAC | $47 | $0 | $47 | 0.71% |
| D BRAMOW AGENCY LLC3 Filed as: D BRAMOW AGENCY, LLC | 3349 SOUTHGATE COURT SW, SUITE 109 CEDAR RAPIDS, IA 52404 | AFLAC | $45 | $0 | $45 | 0.68% |
| MATTHEW J CARRIKER3 Filed as: MATTHEW J. CARRIKER | 801 FOX RUN DRIVE OSKALOOSA, IA 52577 | AFLAC | $28 | $15 | $43 | 0.65% |
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 | 181 | 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) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS BLUE SHIELD OF IOWA | 105 | $1.3M |
| Dental | DELTA DENTAL OF IOWA | 94 | $62K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 184 | $71K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 184 | $71K |
| Short-term disability | AFLAC | 35 | $7K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 184 | $71K |
| Prescription drug | WELLMARK BLUE CROSS BLUE SHIELD OF IOWA | 105 | $1.3M |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 184 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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.