| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS GREAT PLAINS LLC | 4200 UNIVERSITY AVE STE 200 WEST DES MOINES, IA 502665945 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $443 | $4K | 11.42% |
| BHERD, LLC3 Filed as: BHERD LLC | 1956 PARK AVE DES MOINES, IA 50315 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| SANDRA G GRIFFIOEN3 | 3740 US 75 AVE SIOUX CENTER, IA 51250 | AFLAC | $2K | $93 | $2K | 8.71% |
| STEVEN L. VONK3 Filed as: STEVEN L VONK | 1602 10TH ST ROCK VALLEY, IA 51247 | AFLAC | $572 | $25 | $597 | 2.50% |
| TYONIA N EGGERS3 | 102 BASS ST STORM LAKE, IA 50588 | AFLAC | $230 | $28 | $258 | 1.08% |
| MICHAEL DONLEY3 Filed as: MICHAEL N SUNDERMAN | 2912 HAMILTON BVD STE 104 SIOUX CITY, IA 51104 | AFLAC | $165 | — | $165 | 0.69% |
| JULIE A MANN3 | 5001 SERGEANT RD STE 50 SIOUX CITY, IA 51106 | AFLAC | $125 | — | $125 | 0.52% |
| ERIN MARIE STRAIT3 Filed as: ERIN M STRAIT | 3127 S CYPRESS ST SIOUX CITY, IA 51106 | AFLAC | $100 | — | $100 | 0.42% |
| GERRIT J VIS3 | 1435 MAIN ST, PO BOX 86 ROCK VALLEY, IA 51247 | AFLAC | $84 | — | $84 | 0.35% |
| WILLIS TOWERS WATSON US LLC3 Filed as: CHRISTINE A WILLIS | 10709 GENA RD KETCHIKAN, AK 99901 | AFLAC | $76 | — | $76 | 0.32% |
| JANE W BARNHILL3 Filed as: JANE M POTTEBAUM | 19258 HAWTHORNE AVE CARROLL, IA 51401 | AFLAC | $74 | — | $74 | 0.31% |
| TAMARA WILLIAMS3 Filed as: TAMARA WILLAMS | 6610 NASSER LN PORT ORANGE, FL 32128 | AFLAC | $65 | — | $65 | 0.27% |
| MARK FRIEHE3 Filed as: MARK E FRIEHE | 8404 W CENTER RD STE 112 OMAHA, NE 68124 | AFLAC | $48 | — | $48 | 0.20% |
| WILLIAM JAMES MURPHY3 Filed as: WILLIAM K DUIN | 2512 S KINDERHOOK AVE SIOUX FALLS, SD 57106 | AFLAC | $40 | — | $40 | 0.17% |
| ANDREW E HEYING3 | 1201 BIRCH AVE ALTON, IA 51003 | AFLAC | $37 | — | $37 | 0.16% |
| JAMES A SMAARDYK3 | 3972 HOLLIS AVE PORT CHARLOTTE, FL 33953 | AFLAC | $34 | — | $34 | 0.14% |
| TRACY L HOSTLER3 | 518 MAIN AVE BROOKINGS, SD 57006 | AFLAC | $29 | — | $29 | 0.12% |
| ROXANNE M FIECHTNER3 | 2733 SWEETGRASS DR BROOKINGS, SD 57006 | AFLAC | $25 | — | $25 | 0.10% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $21 | — | $21 | 0.09% |
| DIANE M HANSUM3 | 1919 W 57TH ST STE 101 SIOUX FALLS, SD 57108 | AFLAC | $16 | — | $16 | 0.07% |
| TIA TEN NAPEL | 1600 CENTRAL AVE SE LEMARS, IA 51031 | AFLAC | $14 | — | $14 | 0.06% |
| MK SWAN INC3 | 6610 HARVEST DR PAPILLION, NE 68133 | AFLAC | $14 | — | $14 | 0.06% |
| HEIDI JOAN MORGAN3 | 1006 W 10TH ST SIOUX FALLS, SD 57104 | AFLAC | $13 | — | $13 | 0.05% |
| SCOTT R FRITCHER3 | 7408 LONGBOAT DR JOHNSTON, IA 50131 | AFLAC | $8 | — | $8 | 0.03% |
| MICHAEL D EVANS JR3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $8 | — | $8 | 0.03% |
| DARREN J FERNER3 | 301 BOBWHITE CIR DAKOTA DUNES, SD 57049 | AFLAC | $7 | — | $7 | 0.03% |
| AUSTIN J PETERSON3 | 11116 AURORA AVE URBANDALE, IA 50322 | AFLAC | $6 | — | $6 | 0.03% |
| MEHLBRECH INSURANCE INC3 | 47152 257TH ST CROOKS, SD 57020 | AFLAC | $6 | — | $6 | 0.03% |
| ARTHUR VANDER WILT | PO BOX 248 SHELDON, IA 51201 | AFLAC | $6 | — | $6 | 0.03% |
| HEATHER D SWANSON3 | 115 SE BAYTREE DR WAUKEE, IA 50263 | AFLAC | $5 | — | $5 | 0.02% |
| KACY A GRUENKEMEYER3 | 558 CLINGMANS LN CHATTANOOGA, TN 37419 | AFLAC | $5 | — | $5 | 0.02% |
| DIANN J HUISENGA3 | 540 E JESSE CT TEA, SD 57064 | AFLAC | $5 | — | $5 | 0.02% |
| THEODORE W HONKE3 | 29478 US HWY 281 LAKE ANDES, SD 57356 | AFLAC | $4 | — | $4 | 0.02% |
| KERRY PARSONS3 Filed as: KERRY PICKARD | 8534 N OVERLAND DR KANSAS CITY, MO 64154 | AFLAC | $4 | — | $4 | 0.02% |
| MICHAEL BOLGER3 | 128 WOODLAND DR MADISON, SD 57042 | AFLAC | $3 | — | $3 | 0.01% |
| RYAN BENEFITS INC3 Filed as: RYAN LODE | 608 FAIRVIEW ST WALL LAKE, IA 51466 | AFLAC | $3 | — | $3 | 0.01% |
| BERNARD J BRAZEAU3 | 6705 GRIMES ST INDIANOLA, IA 50125 | AFLAC | $2 | — | $2 | 0.01% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL J TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC | $2 | — | $2 | 0.01% |
| CHARIA ANDERSON | 3815 STEELHEAD ST UNIT B FORT COLLINS, CO 80528 | AFLAC | $2 | — | $2 | 0.01% |
| RONALD L HOVICK3 | 2214 SW 43RD TER CAPE CORAL, FL 33914 | AFLAC | $1 | — | $1 | 0.00% |
| BRADY L WEISENBERGER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $1 | — | $1 | 0.00% |
| JOLYNNE M MACK3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $1 | — | $1 | 0.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS GREAT PLAINS LLC | 4200 UNIVERSITY AVE STE 200 WEST DES MOINES, IA 502665945 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $256 | $2K | 11.36% |
| BHERD, LLC3 Filed as: BHERD LLC | 1956 PARK AVE DES MOINES, IA 50315 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $942 | — | $942 | 5.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS GREAT PLAINS LLC | 4200 UNIVERSITY AVE STE 200 WEST DES MOINES, IA 502665945 | VISION SERVICE PLAN | $915 | — | $915 | 6.31% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS GREAT PLAINS LLC | 4200 UNIVERSITY AVE STE 200 WEST DES MOINES, IA 502665945 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $178 | $1K | 11.41% |
| BHERD, LLC3 Filed as: BHERD LLC | 1956 PARK AVE DES MOINES, IA 50315 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $629 | — | $629 | 5.00% |
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 | 145 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK HEALTH PLAN OF IOWA | 115 | $1.6M |
| Dental | DELTA DENTAL OF IOWA | 129 | $0 |
| Vision | VISION SERVICE PLAN | 93 | $14K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 145 | $13K |
| Short-term disability | AFLAC | 39 | $24K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 117 | $19K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 145 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.