| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EILEEN M BIEHN3 | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $66K | — | $66K | 12.92% |
| GREGORY K PIKLAPP3 | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $38K | — | $38K | 7.46% |
| EDWARD C BIEHN3 | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 0.89% |
| MICHAEL E SHANE3 | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 0.33% |
| ROBIN ROCHELLE WAGNER3 Filed as: ROBIN WAGNER | 2696 PARK PLACE NORWALK, IA 50211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 0.23% |
| WILLIAM RENNER3 | 805 W PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $670 | — | $670 | 0.13% |
| DOUGLAS E BIEHN3 | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $261 | — | $261 | 0.05% |
| DANE PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $210 | — | $210 | 0.04% |
| MARC EVAN HAND3 | 934 MAPLE STREET, APT 3 STORY CITY, IA 50248 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $123 | — | $123 | 0.02% |
| PAUL F CHESTER3 | 2452 MARY ST OMAHA, NE 68112 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $96 | — | $96 | 0.02% |
| RHONDA S PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $60 | — | $60 | 0.01% |
| ALAN PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.00% |
| SELECT NETWORKS3 | 317 6TH AVENUE, STE 1440 DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $63K | — | $63K | 16.96% |
| EILEEN M BIEHN3 | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 15.44% |
| GREGORY K PIKLAPP3 | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 9.60% |
| EDWARD C BIEHN3 | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $216 | — | $216 | 1.10% |
| ROBIN ROCHELLE WAGNER3 Filed as: ROBIN WAGNER | 2696 PARK PLACE NORWALK, IA 50211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $30 | — | $30 | 0.15% |
| MICHAEL E SHANE3 | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26 | — | $26 | 0.13% |
| DOUGLAS E BIEHN3 | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.08% |
| WILLIAM RENNER3 | 805 W PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.07% |
| DANE PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| RHONDA S PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.01% |
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 | 2,337 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 41 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,378 | 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 | 2,378 | $25.6M |
| Dental | DELTA DENTAL OF IOWA | 2,316 | $0 |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,740 | $373K |
| Life insurance | HARTFORD LIFE & ACCIDENT | 3,019 | $111K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,354 | $497K |
| Prescription drug | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 2,378 | $25.1M |
| Stop-loss / reinsurancereinsurance | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 2,378 | $25.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,019 | — |
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.