| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT SOLUTIONS INC3 | 425 SECOND STREET SE SUITE 1150 CEDAR RAPIDS, IA 52401 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $50K | $50K | 5.09% |
| ELF VENTURES, LLC3 Filed as: ELF VENTURES LLC | 400 INTERSTATE NORTH PKWY STE 300 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $32K | $0 | $32K | 3.26% |
| BENEFIT SOLUTIONS INC3 | 1055 LONGFELLOW DRIVE SUITE B HIAWATHA, IA 52233 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | $0 | $8K | 0.84% |
| MATTHEW REDNOUR3 | 2550 MIDDLE RD #300 BETTENDORF, IA 85722 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $48K | $0 | $48K | 27.50% |
| GARY W WARE JR3 Filed as: GARY WARE JR | 3808 W SPRINGFIELD AVE STE D CHAMPAIGN, IL 61822 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | $9K | $32K | 18.11% |
| GREGORY DUNN3 | 1055 LONGFELLOW DRIVE SUITE B HIAWATHA, IA 52233 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $32K | $0 | $32K | 18.10% |
| BRADDEN PROBST3 | 3808 W SPRINGFIELD AVE STE D CHAMPAIGN, IL 61822 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.80% |
| ELF VENTURES, LLC3 Filed as: ELF VENTURES LLC DBA INTREPID | 400 INTERSTATE N PKWY, STE 600 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $649 | $0 | $649 | 0.37% |
| MATTHEW REDNOUR3 | 2550 MIDDLE RD #300 BETTENDORF, IA 85722 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $29K | $0 | $29K | 29.62% |
| GREGORY DUNN3 | 1055 LONGFELLOW DRIVE SUITE B HIAWATHA, IA 52233 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | $0 | $20K | 20.53% |
| GARY W WARE JR3 Filed as: GARY WARE JR | 3808 W SPRINGFIELD AVE STE D CHAMPAIGN, IL 61822 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $4K | $18K | 18.55% |
| BRADDEN PROBST3 | 3808 W SPRINGFIELD AVE STE D CHAMPAIGN, IA 61822 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.68% |
| ELF VENTURES, LLC3 Filed as: ELF VENTURES LLC DBA INTREPID | 400 INTERSTATE N PKWY #300 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $41 | $0 | $41 | 0.04% |
| BENEFIT SOLUTIONS INC3 | 1055 LONGFELLOW DRIVE SUITE B HIAWATHA, IA 52233 | SUN LIFE ASSURANCE COMPANY OF CANADA | $150 | $0 | $150 | 5.68% |
| BENEFIT SOLUTIONS INC3 | 425 2ND ST SE STE 1150 CEDAR RAPIDS, IA 52401 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $86 | $86 | 3.26% |
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 | 1,039 | 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) | 1,039 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 2,146 | $1.0M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,309 | $977K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,309 | $977K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,309 | $977K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 2,146 | $1.0M |
| Other(4 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,309 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,146 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.