| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DREW ENGEBRECHT3 | HOLMES MURPHY AND ASSOCIATES, INC. PO BOX 441 DES MOINES, IA 50302 | HEALTHPARTNERS | $25K | $50 | $25K | 3.34% |
| STEVEN R. JOHNSON3 Filed as: STEVEN JOHNSON | 35989 HIGHWAY 69 STE C FOREST CITY, IA 50436 | AFLAC | $11K | $581 | $12K | 11.02% |
| TORJOBA J LANGERUD3 | 106 N PARK ST LAKE MILLS, IA 50450 | AFLAC | $831 | $35 | $866 | 0.83% |
| ALISON ZIESMER3 | 2285 260TH ST GARNER, IA 50438 | AFLAC | $642 | $164 | $806 | 0.77% |
| BENJAMIN THOMAS WITHERS3 | 1304 HILLCREST DR WAVERLY, IA 50677 | AFLAC | $673 | — | $673 | 0.64% |
| BRAD ALLEN DRAEGER3 | 1037 DIVISION ST WEBSTER CITY, IA 50595 | AFLAC | $586 | — | $586 | 0.56% |
| REBECCA A JAMES3 | 2080 PASADENA DR APT 3 DUBUQUE, IA 52001 | AFLAC | $477 | — | $477 | 0.46% |
| TRAVIS F KONIG3 | 303 1/2 MAIN AVE CLEAR LAKE, IA 50428 | AFLAC | $420 | $4 | $424 | 0.41% |
| THE TODD GROUP3 | 602 MAIN ST STE 200 CEDAR FALLS, IA 50613 | AFLAC | $412 | — | $412 | 0.39% |
| TERRELL & COMPANY INC3 | 5530 WEST PKWY STE 100 JOHNSTON, IA 50131 | AFLAC | $276 | $100 | $376 | 0.36% |
| THE TODD GROUP3 | 100 E 2ND ST UNIT 205 CEDAR FALLS, IA 50613 | AFLAC | $342 | — | $342 | 0.33% |
| DANIEL A WUNSCHEL3 | 520 WOODBINE CT MASON CITY, IA 50401 | AFLAC | $308 | $4 | $312 | 0.30% |
| TICKCHA JAIMES3 | 104 N CEDAR ST JEFFERSON, IA 50129 | AFLAC | $288 | — | $288 | 0.28% |
| YOLANDA N HARDEN3 | 501 2ND AVE NE ROCKFORD, IA 50468 | AFLAC | $263 | — | $263 | 0.25% |
| MISSY A ARENHOLZ3 | 403 W PROSPECT ST BOX 712 SHELL ROCK, IA 50670 | AFLAC | $260 | — | $260 | 0.25% |
| THE SHARON MILLER AGENCY LLC3 | PO BOX 15 BELMOND, IA 50421 | AFLAC | $244 | — | $244 | 0.23% |
| SHARI HAGEN3 | PO BOX 105 CRYSTAL LAKE, IA 50432 | AFLAC | $241 | — | $241 | 0.23% |
| SHERRY M SIMMONS3 | 408 RAILROAD ST OTHO, IA 50569 | AFLAC | $202 | — | $202 | 0.19% |
| SCOTT R FRITCHER3 | 3511 131ST ST URBANDALE, IA 50323 | AFLAC | $186 | — | $186 | 0.18% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $167 | — | $167 | 0.16% |
| TERRELL & COMPANY INC3 | 4401 WESTOWN PKWY STE 350 WEST DES MOINES, IA 50266 | AFLAC | $140 | $11 | $151 | 0.14% |
| AMY E COHEN3 Filed as: AMY J RENZE | 23121 215TH ST CARROLL, IA 51401 | AFLAC | $111 | — | $111 | 0.11% |
| GERALD L STEPHAN JR3 | 101 N CLARK ST FOREST CITY, IA 50436 | AFLAC | $108 | — | $108 | 0.10% |
| TARA STUDER & ASSOCIATES3 | 115 N JEFFERSON AVE MASON CITY, IA 50401 | AFLAC | $92 | — | $92 | 0.09% |
| CINDY L ANDERSON3 | 18862D 345TH ST FOREST CITY, IA 50436 | AFLAC | $44 | — | $44 | 0.04% |
| ASMITA KC3 | 406 CAMPUS CTR FOREST CITY, IA 50436 | AFLAC | $42 | $1 | $43 | 0.04% |
| KACY A GRUENKEMEYER3 | 543 ALSTON DR CHATTANOOGA, TN 37419 | AFLAC | $39 | — | $39 | 0.04% |
| AUSTIN J PETERSON3 | 11116 AURORA AVE URBANDALE, IA 50322 | AFLAC | $36 | — | $36 | 0.03% |
| EMILI KUESTER3 | PO BOX 245 KLEMME, IA 50449 | AFLAC | $33 | — | $33 | 0.03% |
| CAROL J THOMPSON3 | 51717 SUMMER WOOD CT GRANGER, IN 46530 | AFLAC | $29 | — | $29 | 0.03% |
| JAMES L HAYES3 | 1547 CEDAR SPRINGS CT NORTH LIBERTY, IA 52317 | AFLAC | $25 | — | $25 | 0.02% |
| HEATHER D SWANSON3 | 4517 49TH PL DES MOINES, IA 50310 | AFLAC | $22 | — | $22 | 0.02% |
| BERNARD J BRAZEAU3 | 6705 GRIMES ST INDIANOLA, IA 50125 | AFLAC | $21 | — | $21 | 0.02% |
| RONALD L HOVICK3 | 2214 SW 43RD TER CAPE CORAL, FL 33914 | AFLAC | $19 | — | $19 | 0.02% |
| MONICA WENTZ3 Filed as: MONICA G WENTZ | 2629 UPPER CANEY VALLEY RD TAZEWELL, TN 37879 | AFLAC | $14 | — | $14 | 0.01% |
| JERRY D SIMPSON3 | 1200 E LUCAS ST ALGONA, IA 50511 | AFLAC | $10 | — | $10 | 0.01% |
| JAMES A SMAARDYK3 | 157 LONG MEADOW LN ROTONDA WEST, FL 33947 | AFLAC | $10 | — | $10 | 0.01% |
| GERRIT J VIS3 | PO BOX 86 1435 MAIN ST ROCK VALLEY, IA 51247 | AFLAC | $9 | — | $9 | 0.01% |
| PAUL M MARTINDALE3 | 10255 PRETTY LAKE TRL PLYMOUTH, IN 46563 | AFLAC | $8 | — | $8 | 0.01% |
| RICHARD R KIMBROUGH3 | 1259 E WINDING CREEK DR EAGLE, ID 83616 | AFLAC | $7 | — | $7 | 0.01% |
| WESLEY J TODD3 | 100 E 2ND ST UNIT 205 CEDAR FALLS, IA 50613 | AFLAC | $2 | — | $2 | 0.00% |
| WESLEY J TODD3 | 602 MAIN ST STE 200 CEDAR FALLS, IA 50613 | AFLAC | $2 | — | $2 | 0.00% |
| JOHN F GLAUB3 | 54369 30TH ST SOUTH BEND, IN 46635 | AFLAC | $2 | — | $2 | 0.00% |
| AMY HANSEN & ASSOCIATES, INC.3 Filed as: AMY HANSEN & ASSOCIATES INC | PO BOX 406 SPENCER, IA 51301 | AFLAC | $1 | — | $1 | 0.00% |
| KERRY PARSONS3 Filed as: KERRY PICKARD | 8534 N OVERLAND DR KANSAS CITY, MO 64154 | AFLAC | $1 | — | $1 | 0.00% |
| DEBRA STUDER3 | 479 6TH AVE SE BRITT, IA 50423 | AFLAC | $1 | — | $1 | 0.00% |
| JACQUELYN KIMBROUGH3 | 1680 BURR OAKS DR WEST DES MOINES, IA 50266 | AFLAC | $1 | — | $1 | 0.00% |
| STACEY LYN CASTELLANETA3 Filed as: STACEY SCHROCK | 3616 UNIVERSITY AVE APT 4 DES MOINES, IA 50311 | AFLAC | $1 | — | $1 | 0.00% |
| RYAN BENEFITS INC3 Filed as: RYAN LODE | 608 FAIRVIEW ST WALL LAKE, IA 51466 | AFLAC | $1 | — | $1 | 0.00% |
| TESS BRANT3 Filed as: TESS M BRANT | 1509 E 18TH ST SPENCER, IA 51301 | AFLAC | $1 | — | $1 | 0.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | DELTA DENTAL | $4K | $162 | $4K | 6.20% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES, LLC | PO BOX 441 DES MOINES, IA 50302 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $193 | $3K | 12.05% |
| STEVEN G JOHNSON3 | PO BOX 266 FOREST CITY, IA 50436 | CONTINENTAL AMERICAN INSURANCE COMPANY | $190 | — | $190 | 6.54% |
| THE TODD GROUP3 | 100 E 2ND ST STE 200 CEDAR FALLS, IA 50613 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45 | — | $45 | 1.55% |
| MATTHEW D BUTLER3 | 2427 COVERED BRIDGE BLVD KNOXVILLE, TN 37932 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | — | $20 | 0.69% |
| RONALD L HOVICK3 | 2214 SW 43RD TERRACE CAPE CORAL, FL 33914 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.10% |
| SCOTT R FRITCHER3 | 9655 NW 75TH PL GRIMES, IA 50111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.10% |
| BERNARD J BRAZEAU3 | 1116 AURORA AVE URBANDALE, IA 50322 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.10% |
| HEATHER D SWANSON3 | 825 SPRUCE STREET WAUKEE, IA 50263 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.10% |
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 | 136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HEALTHPARTNERS | 186 | $867K |
| Dental | DELTA DENTAL | 106 | $66K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 281 | $24K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 281 | $24K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 125 | $107K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 281 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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.