| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT SOLUTIONS INC3 | 425 2ND STREET SE STE 1150 CEDAR RAPIDS, IA 52401 | WELLMARK BLUE CROSS BLUE SHIELD OF IOWA | -$36 | $36K | $36K | 1.37% |
| DENNIS CURTIS3 | PO BOX 654 DENVER, IA 506220654 | METROPOLITAN LIFE INSURANCE COMPANY | $39K | — | $39K | 19.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | PROSOURCE FINL DIVISION OF GBS INC 2315 ENTERPRISE DRIVE, ST 105 WESTCHESTER, IL 60154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 25.58% |
| HOWARD B LABOW3 | 666 DUNDEE RD STE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 25.58% |
| DANE PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $680 | — | $680 | 2.20% |
| COLE PAPE3 Filed as: COLE M PAPE | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $635 | — | $635 | 2.06% |
| ALAN PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $202 | — | $202 | 0.65% |
| RHONDA S PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $112 | — | $112 | 0.36% |
| JESSE A WING3 Filed as: JESSE WING | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $87 | — | $87 | 0.28% |
| INSGROUP INC3 Filed as: FIRST INS AGENCY INC | PO BOX 1448 MASON CITY, IA 50402 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $62 | — | $62 | 0.20% |
| DANE PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 11.85% |
| COLE PAPE3 Filed as: COLE M PAPE | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 11.38% |
| ALAN PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $736 | — | $736 | 3.43% |
| RHONDA S PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $331 | — | $331 | 1.54% |
| JESSE A WING3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $198 | — | $198 | 0.92% |
| INSGROUP INC3 Filed as: FIRST INS AGENCY INC | PO BOX 1448 MASON CITY, IA 50402 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $141 | — | $141 | 0.66% |
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 | 564 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 568 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | WELLMARK BLUE CROSS BLUE SHIELD OF IOWA | 356 | $2.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,386 | $201K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,386 | $201K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,386 | $232K |
| Prescription drug | WELLMARK BLUE CROSS BLUE SHIELD OF IOWA | 356 | $2.6M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,386 | $201K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,386 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.