| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DREW ENGEBRECHT3 | HOLMES MURPHY AND ASSOCIATES, INC. PO BOX 441 DES MOINES, IA 50302 | HEALTHPARTNERS | $0 | $42K | $42K | 5.39% |
| STEVEN R. JOHNSON3 Filed as: STEVEN JOHNSON | 35989 HIGHWAY 69 STE C FOREST CITY, IA 50436 | AFLAC | $14K | $322 | $14K | 11.26% |
| ALISON ZIESMER3 | 2285 260TH ST GARNER, IA 50438 | AFLAC | $3K | — | $3K | 2.36% |
| SHARI HAGEN3 | PO BOX 105 CRYSTAL LAKE, IA 50432 | AFLAC | $2K | $77 | $2K | 1.32% |
| TERRELL & COMPANY INC3 | 5900 SARATOGA RD STE 7 ASBURY, IA 52002 | AFLAC | $1K | $34 | $1K | 1.14% |
| THE TODD GROUP3 | 602 MAIN ST STE 200 CEDAR FALLS, IA 50613 | AFLAC | $1K | $33 | $1K | 0.92% |
| TARJOBA J LANGERUD3 | — | AFLAC | $802 | $1 | $803 | 0.63% |
| YOLANDA N HARDEN3 Filed as: YOLANDA HARDEN | 501 2ND AVE NE ROCKFORD, IA 50468 | AFLAC | $386 | — | $386 | 0.30% |
| TARA STUDER & ASSOCIATES3 Filed as: TARA STRUDER & ASSOCIATES | 115 N JEFFERSON AVE MASON CITY, IA 50401 | AFLAC | $293 | — | $293 | 0.23% |
| MATTHEW D BUTLER3 Filed as: MATTHEW BUTLER | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $256 | — | $256 | 0.20% |
| SCOTT R FRITCHER3 Filed as: SCOTT FRITCHER | 3511 131ST ST URBANDALE, IA 50323 | AFLAC | $244 | — | $244 | 0.19% |
| ASMITA KC3 | — | AFLAC | $183 | $4 | $187 | 0.15% |
| MARK NALEFSKI3 | 810 1ST AVE NE CLARION, IA 50525 | AFLAC | $150 | $8 | $158 | 0.12% |
| PAIGE PHILLIPS3 Filed as: PAIGE E MELVIN | — | AFLAC | $136 | $1 | $137 | 0.11% |
| GERALD L STEPHAN JR3 Filed as: GERALD STEPHAN JR | 101 N CLARK ST FOREST CITY, IA 50436 | AFLAC | $99 | — | $99 | 0.08% |
| EMILY PORRECA3 Filed as: EMILY KUESTER | — | AFLAC | $66 | — | $66 | 0.05% |
| RONALD L HOVICK3 Filed as: RONALD HOVICK | 2214 SW 43RD TERR CAPE CORAL, FL 33914 | AFLAC | $65 | — | $65 | 0.05% |
| KACY A GRUENKEMEYER3 Filed as: KACY GRUENKEMEYER | 5530 WEST PKWY STE 100 JOHNSTON, IA 50131 | AFLAC | $63 | — | $63 | 0.05% |
| AUSTIN J PETERSON3 Filed as: AUSTIN PETERSON | 11116 AURORA AVE URBANDALE, IA 50322 | AFLAC | $54 | — | $54 | 0.04% |
| MEGAN ELIZABETH CASTO3 Filed as: MEGAN E HAUGEN | — | AFLAC | $45 | $2 | $47 | 0.04% |
| DEBRA STUDER3 | 479 6TH AVE SE BRITT, IA 50423 | AFLAC | $45 | — | $45 | 0.04% |
| THE SHARON MILLER AGENCY LLC3 | — | AFLAC | $44 | — | $44 | 0.03% |
| HEATHER D SWANSON3 Filed as: HEATHER SWANSON | 4517 49TH PL DES MOINES, IA 50310 | AFLAC | $33 | — | $33 | 0.03% |
| BERNARD BRAZEAU3 | 6705 GRIMES TREET INDIANOLA, IA 50125 | AFLAC | $32 | — | $32 | 0.03% |
| CAROL PURDY FIELDS3 Filed as: CAROL THOMPSON | 51717 SUMMER WOOD CT GRANGER, IN 46530 | AFLAC | $29 | — | $29 | 0.02% |
| JAMES L HAYES3 Filed as: JAMES HAYES | 1449 MARILYN DR NORTH LIBERTY, IA 52317 | AFLAC | $25 | — | $25 | 0.02% |
| CINDY ANDERSON3 | 18862D 345TH ST FOREST CITY, IA 50436 | AFLAC | $22 | — | $22 | 0.02% |
| JAMES A SMAARDYK3 Filed as: JAMES SMAARDYK | 2831 CEDAR HILLS LANE TWIN LAKE, MI 49457 | AFLAC | $16 | — | $16 | 0.01% |
| MONICA WENTZ3 | 2629 UPPER CANEY VALLEY RD TAZEWELL, TN 37879 | AFLAC | $14 | — | $14 | 0.01% |
| JERRY D SIMPSON3 Filed as: JERRY SIMPSON | 1200 E LUCAS ST ALGONA, IA 50511 | AFLAC | $14 | — | $14 | 0.01% |
| GERRIT VIS3 | 1435 MAIN ST PO BOX 86 ROCK VALLEY, IA 51247 | AFLAC | $10 | — | $10 | 0.01% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL MARTINDALE | 1001 N HICKORY RD STE 3 SOUTH BEND, IN 46615 | AFLAC | $8 | — | $8 | 0.01% |
| RICHARD R KIMBROUGH3 Filed as: RICHARD KIMBROUGH | 1972 MUIRFIELD WAY SE PALM BAY, FL 32909 | AFLAC | $7 | — | $7 | 0.01% |
| BETH ZADOW3 | 1300 7TH PL N CLEAR LAKE, IA 50428 | AFLAC | $6 | — | $6 | 0.00% |
| WESLEY J TODD3 Filed as: WESLEY TODD | 602 MAIN ST STE 200 CEDAR FALLS, IA 50613 | AFLAC | $5 | — | $5 | 0.00% |
| KERRY PARSONS3 Filed as: KERRY PICKARD | — | AFLAC | $2 | — | $2 | 0.00% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN GLAUB | — | AFLAC | $2 | — | $2 | 0.00% |
| STACEY LYN CASTELLANETA3 Filed as: STACEY SCHROCK | — | AFLAC | $1 | — | $1 | 0.00% |
| RYAN BENEFITS INC3 Filed as: RYAN LODE | — | AFLAC | $1 | — | $1 | 0.00% |
| JACQUELYN KIMBROUGH3 | — | AFLAC | $1 | — | $1 | 0.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | — | DELTA DENTAL | $4K | $172 | $4K | 4.87% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES, LLC | — | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $216 | $3K | 11.09% |
| STEVEN G JOHNSON3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $289 | — | $289 | 6.52% |
| THE TODD GROUP3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $69 | — | $69 | 1.56% |
| MATTHEW D BUTLER3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | — | $29 | 0.65% |
| BERNARD J BRAZEAU3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.11% |
| RONALD L HOVICK3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.11% |
| SCOTT R FRITCHER3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.11% |
| HEATHER D SWANSON3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.11% |
| KACY A GRUENKEMEYER3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.02% |
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 | 169 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HEALTHPARTNERS | 210 | $910K |
| Dental | DELTA DENTAL | 136 | $92K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 361 | $28K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 361 | $28K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 159 | $131K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 361 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 361 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.