| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY K PIKLAPP3 | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24K | — | $24K | 10.76% |
| EILEEN M BIEHN3 | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23K | — | $23K | 10.25% |
| ROBIN ROCHELLE WAGNER3 Filed as: ROBIN WAGNER | 2696 PARK PLACE NORWALK, IA 50211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 2.39% |
| EDWARD C BIEHN3 | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 2.04% |
| WILLIAM RENNER3 | 805 W PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 0.60% |
| DOUGLAS E BIEHN3 | 1516 S MARSHALL ST BOONE, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $968 | — | $968 | 0.43% |
| DANE PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $360 | — | $360 | 0.16% |
| MARC EVAN HAND3 | 1002 CURTISS AVE AMES, IA 50010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $357 | — | $357 | 0.16% |
| PAUL F CHESTER3 | 2452 MARY ST OMAHA, NE 68112 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $176 | — | $176 | 0.08% |
| RHONDA S PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $99 | — | $99 | 0.04% |
| ALAN PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $36 | — | $36 | 0.02% |
| EILEEN M BIEHN3 | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $136 | — | $136 | 4.64% |
| GREGORY K PIKLAPP3 | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $128 | — | $128 | 4.37% |
| EDWARD C BIEHN3 | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.44% |
| DOUGLAS E BIEHN3 | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.20% |
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 | 2,074 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,097 | 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 | 2,097 | $16.5M |
| Dental | DELTA DENTAL OF IOWA | 2,091 | $0 |
| Life insurance | HARTFORD LIFE & ACCIDENT | 2,395 | $146K |
| Prescription drug | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 2,097 | $16.3M |
| Stop-loss / reinsurancereinsurance | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 2,097 | $16.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,395 | — |
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.