| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SELECT NETWORKS3 | 317 6TH AVENUE, STE 1440 DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $50K | — | $50K | 17.00% |
| EILEEN M BIEHN3 | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16K | — | $16K | 6.46% |
| GREGORY K PIKLAPP3 | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16K | — | $16K | 6.23% |
| MICHAEL E SHANE3 | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 1.37% |
| EDWARD C BIEHN3 | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 0.90% |
| ROBIN ROCHELLE WAGNER3 Filed as: ROBIN WAGNER | 2696 PARK PLACE NORWALK, IA 50211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 0.55% |
| WILLIAM RENNER3 | 805 W PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $536 | — | $536 | 0.21% |
| DOUGLAS E BIEHN3 | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $272 | — | $272 | 0.11% |
| DANE PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $169 | — | $169 | 0.07% |
| MARC EVAN HAND3 | 1002 CURTISS AVE AMES, IA 50010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $92 | — | $92 | 0.04% |
| PAUL F CHESTER3 | 2452 MARY ST OMAHA, NE 68112 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $71 | — | $71 | 0.03% |
| RHONDA S PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $64 | — | $64 | 0.03% |
| ALAN PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | — | $16 | 0.01% |
| EILEEN M BIEHN3 | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $198 | — | $198 | 4.79% |
| GREGORY K PIKLAPP3 | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $183 | — | $183 | 4.43% |
| EDWARD C BIEHN3 | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26 | — | $26 | 0.63% |
| DOUGLAS E BIEHN3 | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.17% |
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 | 2,045 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,064 | 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 | 2,064 | $18.5M |
| Dental | DELTA DENTAL OF IOWA | 2,033 | $0 |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,340 | $295K |
| Life insurance | HARTFORD LIFE & ACCIDENT | 2,455 | $139K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,325 | $354K |
| Prescription drug | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 2,064 | $18.3M |
| Stop-loss / reinsurancereinsurance | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 2,064 | $18.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,455 | — |
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 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.