| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DREW ENGEBRECHT3 | HOLMES MURPHY AND ASSOCIATES, INC. PO BOX 441 DES MOINES, IA 50302 | HEALTHPARTNERS | $22K | $3K | $26K | 3.34% |
| STEVEN G JOHNSON3 Filed as: STEVEN G. JOHNSON | 35989 HIGHWAY 69 STE C FOREST CITY, IA 50436 | AFLAC | $7K | $298 | $7K | 7.85% |
| HAYLEY J MUELLER3 | 1301 E FAYETTE ST DENVER, IA 50622 | AFLAC | $1K | — | $1K | 1.43% |
| TRAVIS F KONIG3 | 12031 210TH ST ROCKWELL, IA 50469 | AFLAC | $927 | $79 | $1K | 1.11% |
| BENJAMIN THOMAS WITHERS3 | 1304 HILLCREST DR WAVERLY, IA 50677 | AFLAC | $664 | $79 | $743 | 0.82% |
| THE TODD GROUP3 | 4409 BLAIR RIDGE RD CEDAR FALLS, IA 50613 | AFLAC | $626 | — | $626 | 0.69% |
| MISSY A ARENHOLZ3 | 403 W PROSPECT ST BOX 712 SHELL ROCK, IA 50670 | AFLAC | $577 | $35 | $612 | 0.67% |
| MONIKA M ARENDS3 | 3898 FENTON AVE STRATFORD, IA 50249 | AFLAC | $431 | — | $431 | 0.47% |
| THE SHARON MILLER AGENCY LLC3 | PO BOX 15 BELMOND, IA 50421 | AFLAC | $380 | $25 | $405 | 0.45% |
| DANIEL A WUNSCHEL3 | 520 WOODBINE CT MASON CITY, IA 50401 | AFLAC | $273 | $4 | $277 | 0.30% |
| TORJOBA J LANGERUD3 | 106 N PARK ST LAKE MILLS, IA 50450 | AFLAC | $210 | $25 | $235 | 0.26% |
| ALISON ZIESMER3 | 2285 260TH ST GARNER, IA 50438 | AFLAC | $221 | — | $221 | 0.24% |
| MELISSA MAE KORTE3 | 705 BEECH ST BURT, IA 50522 | AFLAC | $216 | — | $216 | 0.24% |
| YOLANDA N HARDEN3 | 501 2ND AVE NE ROCKFORD, IA 50468 | AFLAC | $211 | — | $211 | 0.23% |
| TERRELL & COMPANY INC3 | 4401 WESTOWN PKWY STE 350 WEST DES MOINES, IA 50266 | AFLAC | $156 | $11 | $167 | 0.18% |
| SCOTT R FRITCHER3 | 3511 131ST ST URBANDALE, IA 50323 | AFLAC | $157 | — | $157 | 0.17% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $148 | — | $148 | 0.16% |
| GERALD L STEPHAN JR3 | 101 N CLARK ST FOREST CITY, IA 50436 | AFLAC | $106 | — | $106 | 0.12% |
| REBECCA A JAMES3 | 2080 PASADENA DR APT 3 DUBUQUE, IA 52001 | AFLAC | $65 | — | $65 | 0.07% |
| BRAD ALLEN DRAEGER3 | 1037 DIVISION ST WEBSTER CITY, IA 50595 | AFLAC | $62 | — | $62 | 0.07% |
| TARA STUDER & ASSOCIATES3 | PO BOX 104 ROCKWELL, IA 50469 | AFLAC | $56 | — | $56 | 0.06% |
| AMY E COHEN3 Filed as: AMY J RENZE | 23121 215TH ST CARROLL, IA 51401 | AFLAC | $36 | $11 | $47 | 0.05% |
| CINDY L ANDERSON3 | 18862D 345TH ST FOREST CITY, IA 50436 | AFLAC | $44 | — | $44 | 0.05% |
| HOWARD EATON3 | 3141 PRAIRIE ROSE DR NORWALK, IA 50211 | AFLAC | $30 | — | $30 | 0.03% |
| CAROL J THOMPSON3 | 51717 SUMMER WOOD CT GRANGER, IN 46530 | AFLAC | $29 | — | $29 | 0.03% |
| KACY A GRUENKEMEYER3 | 543 ALSTON DR CHATTANOOGA, TN 37419 | AFLAC | $29 | — | $29 | 0.03% |
| AUSTIN J PETERSON3 | 11116 AURORA AVE URBANDALE, IA 50322 | AFLAC | $27 | — | $27 | 0.03% |
| JAMES L HAYES3 | 1547 CEDAR SPRINGS CT NORTH LIBERTY, IA 52317 | AFLAC | $24 | — | $24 | 0.03% |
| HEATHER D SWANSON3 | 4517 49TH PL DES MOINES, IA 50310 | AFLAC | $19 | — | $19 | 0.02% |
| BERNARD J BRAZEAU3 | 6705 GRIMES ST INDIANOLA, IA 50125 | AFLAC | $18 | — | $18 | 0.02% |
| MONICA WENTZ3 Filed as: MONICA G WENTZ | 2629 UPPER CANEY VALLEY RD TAZEWELL, TN 37879 | AFLAC | $14 | — | $14 | 0.02% |
| PAUL M MARTINDALE3 | 10255 PRETTY LAKE TRL PLYMOUTH, IN 46563 | AFLAC | $8 | — | $8 | 0.01% |
| RICHARD R KIMBROUGH3 | 6380 N PARK MEADOW WAY APT 203 BOISE, ID 83713 | AFLAC | $7 | — | $7 | 0.01% |
| JAMES A SMAARDYK3 | 13435 S MCCALL RD UNIT 16 PORT CHARLOTTE, FL 33981 | AFLAC | $6 | — | $6 | 0.01% |
| GERRIT J VIS3 | PO BOX 86 1435 MAIN ST ROCK VALLEY, IA 51247 | AFLAC | $6 | — | $6 | 0.01% |
| WESLEY J TODD3 | 4409 BLAIR RIDGE RD CEDAR FALLS, IA 50613 | AFLAC | $5 | — | $5 | 0.01% |
| RONALD L HOVICK3 | 2214 SW 43RD TER CAPE CORAL, FL 33914 | AFLAC | $4 | — | $4 | 0.00% |
| JOHN F GLAUB3 | 54369 30TH ST SOUTH BEND, IN 46635 | AFLAC | $2 | — | $2 | 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% |
| KERRY PARSONS3 Filed as: KERRY PICKARD | 8534 N OVERLAND DR KANSAS CITY, MO 64154 | AFLAC | $1 | — | $1 | 0.00% |
| AMY HANSEN & ASSOCIATES, INC.3 Filed as: AMY HANSEN & ASSOCIATES INC | PO BOX 406 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 | $151 | $4K | 6.02% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES, LLC | PO BOX 441 DES MOINES, IA 50302 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $242 | $4K | 12.78% |
| STEVEN G JOHNSON3 | PO BOX 266 FOREST CITY, IA 50436 | CONTINENTAL AMERICAN INSURANCE COMPANY | $148 | — | $148 | 5.05% |
| THE TODD GROUP3 | 100 E 2ND ST STE 200 CEDAR FALLS, IA 50613 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | — | $35 | 1.19% |
| MATTHEW D BUTLER3 | 2427 COVERED BRIDGE BLVD KNOXVILLE, TN 37932 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.55% |
| RONALD L HOVICK3 | 2214 SW 43RD TERRACE CAPE CORAL, FL 33914 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.07% |
| SCOTT R FRITCHER3 | 3511 131ST ST URBANDALE, IA 50323 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.07% |
| BERNARD J BRAZEAU3 | 1116 AURORA AVE URBANDALE, IA 50322 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.07% |
| HEATHER D SWANSON3 | 825 SPRUCE STREET WAUKEE, IA 50263 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.07% |
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 | 128 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HEALTHPARTNERS | 172 | $857K |
| Dental | DELTA DENTAL | 98 | $64K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 268 | $27K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 268 | $27K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 103 | $94K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 268 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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.