| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PHILLIP DOWTY3 | 15616 COUNTY ROAD 44 GOSHEN, IN 465268590 | EMC NATIONAL LIFE COMPANY | $11K | — | $11K | 11.60% |
| SUPPLEMENTAL INS SVCS INC3 Filed as: SUPPLEMENTAL INSURANCE SERVICES | 115 E PLATT STREET MAQUOKETA, IA 520602337 | EMC NATIONAL LIFE COMPANY | $2K | — | $2K | 2.05% |
| ROGER HARDIN3 | 578 237TH AVE DELMAR, IA 52037 | EMC NATIONAL LIFE COMPANY | $14 | — | $14 | 0.02% |
| BARNEY HANKNER3 Filed as: BARNEY HANKER | 1001 BATTLES DR MAQUOKETA, IA 52060 | EMC NATIONAL LIFE COMPANY | $10 | — | $10 | 0.01% |
| DANE PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | EMC NATIONAL LIFE COMPANY | $3 | — | $3 | 0.00% |
| H ALLAN KENT3 | 3 WESTERN DR MILLSTADT, IL 62260 | EMC NATIONAL LIFE COMPANY | $3 | — | $3 | 0.00% |
| SAMUEL PAPE3 | 105 N DUBUQUE ST ANIMOSA, IA 52205 | EMC NATIONAL LIFE COMPANY | $3 | — | $3 | 0.00% |
| MICHAEL HILEMAN3 | 429 S BLANCHE ST MOUNDS, IL 62964 | EMC NATIONAL LIFE COMPANY | $3 | — | $3 | 0.00% |
| DARRYL CLARK3 | 429 S BLANCHE ST MOUNDS, IL 62964 | EMC NATIONAL LIFE COMPANY | $3 | — | $3 | 0.00% |
| ANITA SPEICHER LUSTER3 | 440 HICKORY LN NAPPANEE, IN 46550 | EMC NATIONAL LIFE COMPANY | $3 | — | $3 | 0.00% |
| RHONDA S PAPE3 Filed as: RHONDA PAPE | 115 E PLATT ST MAQUIKETA, IA 52060 | EMC NATIONAL LIFE COMPANY | $1 | — | $1 | 0.00% |
| COLE PAPE3 | 115 PLATT ST MAQUOKETA, IA 52060 | EMC NATIONAL LIFE COMPANY | $1 | — | $1 | 0.00% |
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 | 345 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 348 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | EMC NATIONAL LIFE COMPANY | 588 | $92K |
| Short-term disability | EMC NATIONAL LIFE COMPANY | 588 | $92K |
| Long-term disability | EMC NATIONAL LIFE COMPANY | 588 | $92K |
| Other | EMC NATIONAL LIFE COMPANY | 588 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 588 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.