| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSH BUDKE, THE ACCEL GROUP, LLC | 301 OAK RIDGE CIRCLE WAVERLY, IA 50677 | HEALTH PARTNERS UNITYPOINT HEALTH | $0 | $0 | $0 | 0.00% |
| THE ACCEL GROUP LLC Filed as: THE ACCEL GROUP, LLC | 1045 76TH STREET WEST DES MOINES, IA 50266 | WELLMARK INC. | $6K | — | $6K | 7.38% |
| THE ACCEL GROUP LLC3 Filed as: THE ACCEL GROUP, LLC | 301 OAK RIDGE CIRCLE WAVERLY, IA 50677 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 4.59% |
| THE ACCEL GROUP LLC3 Filed as: THE ACCEL GROUP, LLC | 301 OAK RIDGE CIRCLE WAVERLY, IA 50677 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 4.60% |
| THE ACCEL GROUP LLC3 Filed as: THE ACCEL GROUP, LLC | 301 OAK RIDGE CIRCLE WAVERLY, IA 50677 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 4.61% |
| THE ACCEL GROUP LLC3 Filed as: THE ACCEL GROUP, LLC | 301 OAK RIDGE CIRCLE WAVERLY, IA 50677 | STANDARD INSURANCE COMPANY | $107 | — | $107 | 1.00% |
| THE ACCEL GROUP LLC Filed as: THE ACCEL GROUP, LLC | — | ASSURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 20.23% |
| THE TODD GROUP Filed as: THE TODD GROUP, INC. | — | ASSURITY LIFE INSURANCE COMPANY | $427 | — | $427 | 5.35% |
| TODD BURKE Filed as: TODD, WESLEY J | — | ASSURITY LIFE INSURANCE COMPANY | $357 | — | $357 | 4.47% |
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 | 113 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PARTNERS UNITYPOINT HEALTH | 206 | $943K |
| Dental | WELLMARK INC. | 88 | $79K |
| Vision | STANDARD INSURANCE COMPANY | 81 | $11K |
| Life insurance | STANDARD INSURANCE COMPANY | 113 | $54K |
| Short-term disability | STANDARD INSURANCE COMPANY | 113 | $37K |
| Long-term disability | STANDARD INSURANCE COMPANY | 113 | $27K |
| Other | ASSURITY LIFE INSURANCE COMPANY | 46 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.