| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EILEEN M BIEHN3 | 1516 S MARSHALL ST BOONE, IA 50036 | ALLSTATE | $47K | — | $47K | 26.70% |
| GREGORY K PIKLAPP3 | 1516 S MARSHALL ST BOONE, IA 50036 | ALLSTATE | $45K | — | $45K | 25.67% |
| ROBIN ROCHELLE WAGNER3 Filed as: ROBIN WAGNER | 2696 PARK PLACE NORWALK, IA 50211 | ALLSTATE | $9K | — | $9K | 5.04% |
| EDWARD C BIEHN3 | 1516 S MARSHALL ST BOONE, IA 50036 | ALLSTATE | $5K | — | $5K | 2.66% |
| WILLIAM RENNER3 | 805 W PLATT ST MAQUOKETA, IA 52060 | ALLSTATE | $4K | — | $4K | 2.10% |
| DOUGLAS E BIEHN3 | 1516 S MARSHALL ST BOONE, IA 52060 | ALLSTATE | $2K | — | $2K | 1.24% |
| MARC EVAN HAND3 | 1002 CURTISS AVE AMES, IA 50010 | ALLSTATE | $1K | — | $1K | 0.81% |
| DANE PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | ALLSTATE | $819 | — | $819 | 0.47% |
| PAUL F CHESTER3 | 2452 MARY ST OMAHA, NE 68112 | ALLSTATE | $471 | — | $471 | 0.27% |
| RHONDA S PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | ALLSTATE | $185 | — | $185 | 0.11% |
| ALAN PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | ALLSTATE | $107 | — | $107 | 0.06% |
| BEARENCE MANAGEMENT GROUP LLC3 Filed as: BEARENCE MANAGEMENT GROUP | 1045 76TH STREET, SUITE 4000 WEST DES MOINES, IA 502665921 | HARTFORD LIFE & ACCIDENT | $3K | $7K | $10K | 8.80% |
| EILEEN M BIEHN3 | 1516 S MARSHALL ST BOONE, IA 50036 | ALLSTATE | $495 | — | $495 | 22.16% |
| GREGORY K PIKLAPP3 | 1516 S MARSHALL ST BOONE, IA 50036 | ALLSTATE | $475 | — | $475 | 21.26% |
| EDWARD C BIEHN3 | 1516 S MARSHALL ST BOONE, IA 50036 | ALLSTATE | $47 | — | $47 | 2.10% |
| DOUGLAS E BIEHN3 | 1516 S MARSHALL ST BOONE, IA 50036 | ALLSTATE | $20 | — | $20 | 0.90% |
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 | 2,067 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,092 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 2,092 | $18.3M |
| Dental | DELTA DENTAL OF IOWA | 2,059 | $0 |
| Life insurance | HARTFORD LIFE & ACCIDENT | 2,392 | $116K |
| Prescription drug | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 2,092 | $18.1M |
| Stop-loss / reinsurancereinsurance | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 2,092 | $18.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,392 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.