| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACUMEN ADVISORS INC3 | 425 2ND ST SE, SUITE 1275 CEDAR RAPIDS, IA 52401 | PRINCIPLE LIFE INSURANCE COMPANY | $9K | $3K | $12K | 11.32% |
| MATTHEW STEVEN REDNOUR3 | — | ASSURITY LIFE INSURANCE COMPANY | $6K | — | $6K | 9.02% |
| WARE GROUP GENERAL AGENCIES3 | — | ASSURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 6.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 | — | ASSURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 6.58% |
| NORTH RISK PARTNERS LLC3 | — | ASSURITY LIFE INSURANCE COMPANY | $326 | — | $326 | 0.47% |
| ERIN BRZOZOWSKI, INC.3 Filed as: ERIN BRZOZOWSKI INC. | — | ASSURITY LIFE INSURANCE COMPANY | $57 | — | $57 | 0.08% |
| MICHAEL PETERS & ASSOCIATES, INC.3 | — | ASSURITY LIFE INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| ACUMEN ADVISORS INC3 | 425 2ND ST SE, SUITE 1275 CEDAR RAPIDS, IA 52401 | DELTA DENTAL OF IOWA | $6K | $642 | $7K | — |
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 | 128 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 42 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 124 | $1.2M |
| Dental | DELTA DENTAL OF IOWA | 123 | $0 |
| Vision | PRINCIPLE LIFE INSURANCE COMPANY | 284 | $109K |
| Life insurance | PRINCIPLE LIFE INSURANCE COMPANY | 284 | $109K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPLE LIFE INSURANCE COMPANY | 298 | $178K |
| Long-term disability | PRINCIPLE LIFE INSURANCE COMPANY | 284 | $109K |
| Other | ASSURITY LIFE INSURANCE COMPANY | 298 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 298 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.