| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MIDWEST HERITAGE INS SVCS3 | PO BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $654K | — | $654K | 12.22% |
| MIDWEST HERITAGE3 Filed as: MIDWEST HERITAGE SERVICES INC | 1025 BRADEN AVE PO BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $86K | — | $86K | 1.61% |
| ALAN PAPE3 | 115 E PLATT MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $32K | — | $32K | 0.59% |
| GARY RIPPERGER3 Filed as: GARY HOEGER | 1025 BRADEN AVE CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $16K | — | $16K | 0.30% |
| DANNIE SUTTER3 | 4224 INDEPENDENCE BLVD KANSAS CITY, KS 66109 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $7K | — | $7K | 0.13% |
| ROGER HARDIN3 Filed as: ROGER WILLIAM HARDIN | 1010 COURT AVE CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $6K | — | $6K | 0.12% |
| DAVID MARTIN AGENCY INC3 Filed as: DAVID MARTIN | 3200 W 90TH ST SIOUX FALLS, SD 57108 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $6K | — | $6K | 0.12% |
| LOWELL WIELE3 | 1010 COURT AVE CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $3K | — | $3K | 0.06% |
| JESSE A WING3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $3K | — | $3K | 0.06% |
| SHELLEY BUCHHOLZ3 | 1010 COURT AVE CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $2K | — | $2K | 0.03% |
| GARY RIPPERGER3 | 1025 BRADEN AVE CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $1K | — | $1K | 0.02% |
| SAMUEL PAPE3 | 1025 BRADEN AVE CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $954 | — | $954 | 0.02% |
| JAMES HERMANN3 Filed as: JAMES HERRMANN | 1010 COURT AVE CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $816 | — | $816 | 0.02% |
| AIMEE FLUEGGE3 | 1025 BRADEN AVE CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $441 | — | $441 | 0.01% |
| SCOTT LOWENBERG3 | 929 MAINE STREET PO BOX 702 QUINCY, IL 62306 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $290 | — | $290 | 0.01% |
| JAMES HERMANN3 Filed as: JAMES BURBRIDGE | 1219 N 17TH ST CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $237 | — | $237 | 0.00% |
| COLE PAPE3 | 115 EAST PLATT MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $194 | — | $194 | 0.00% |
| CHRISTOPHER LAING3 | 21682 485TH LANE CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $187 | — | $187 | 0.00% |
| BARNEY HANKNER3 | 1001 BATTLES DR MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $162 | — | $162 | 0.00% |
| DANE PAPE3 | 115 EAST PLATT MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $122 | — | $122 | 0.00% |
| ANDREW OLBERDING3 | 323 MAIN SENECA, KS 66538 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $107 | — | $107 | 0.00% |
| DAVID LAING3 | 21682 485TH LANE CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $72 | — | $72 | 0.00% |
| NICHOLAS JAMES3 Filed as: NICHOLAS L. JAMES | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $68 | — | $68 | 0.00% |
| JEREMY PURDY3 | 1025 BRADEN AVE CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $64 | — | $64 | 0.00% |
| GERARDO CASTILLO3 | 300 W MAIN ST, APT 3 ANAMOSA, IA 52205 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $53 | — | $53 | 0.00% |
| ANTHONY DITORO3 | 1506 1/2 17TH AVE MOLINE, IL 61265 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $47 | — | $47 | 0.00% |
| JOHN DAVIS3 | 807 DANIEL DR PO BOX 886 LAWRENCEBURG, TN 38464 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $44 | — | $44 | 0.00% |
| NICHOLAS JAMES3 | 322 ALBIA ROAD CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $39 | — | $39 | 0.00% |
| PHILLIP DOWTY3 | 15616 COUNTY RD 44 GOSHEN, IN 46526 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $27 | — | $27 | 0.00% |
| PAUL CHESTER3 | 925 SPRUCE ST COUNCIL BLUFFS, IA 51501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $26 | — | $26 | 0.00% |
| GEORGE DUNLAP3 | 1863 GLEN OAKS DR WEST DES MOINES, IA 50266 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $20 | — | $20 | 0.00% |
| JULIE TITZE3 | 11224 Z STREET OMAHA, NE 681374664 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $20 | — | $20 | 0.00% |
| SUPPLEMENTAL INS SVCS INC3 | 115 E PLATTE MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $19 | — | $19 | 0.00% |
| ERIC CHRISTENSEN3 | 47575 271ST HARRISBURG, SD 57032 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $16 | — | $16 | 0.00% |
| ALAN HARRIS3 | 8009 GOODMAN DR URBANDALE, IA 50322 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $7 | — | $7 | 0.00% |
| JEFF BASS3 | 2531 185TH ST WINTERSET, IA 50273 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $6 | — | $6 | 0.00% |
| KENNETH CRAIG3 | 4540 49TH PLACE DES MOINES, IA 50310 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $2 | — | $2 | 0.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCS INC | P.O. BOX 9207 DES MOINES, IA 50306 | HARTFORD LIFE AND ACCIDENT | $113K | — | $113K | 2.25% |
| MIDWEST HERITAGE INSURANCE SERVICES3 | PO BOX 737 CHARITON, IA 50049 | AMERITAS LIFE INSURANCE CORP | $268K | — | $268K | 14.54% |
| MIDWEST HERITAGE3 Filed as: MIDWEST HERITAGE SERVICES INC. | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $141K | — | $141K | 9.29% |
| MIDWEST HERITAGE INSURANCE SERVICES3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $126K | — | $126K | 8.34% |
| MIDWEST HERITAGE INSURANCE SERVICES3 | 1025 BRADEN AVE CHARITON, IA 50049 | AXIS INSURANCE COMPANY | $128K | — | $128K | 14.15% |
| RHONDA SUE PAPE | 115 E PLATT ST MAQUOKETA, IA 52060 | AXIS INSURANCE COMPANY | $19K | — | $19K | 2.11% |
| MIDWEST HERITAGE INSURANCE SERVICES3 | PO BOX 737 CHARITON, IA 50049 | AMERITAS LIFE INSURANCE CORP | $33K | — | $33K | 13.50% |
| MIDWEST HERITAGE3 | 1025 BRADEN AVE, PO BOX 737 CHARITON, IA 50049 | CENTRAL UNITED LIFE INSURANCE COMPANY | $5K | — | $5K | 5.53% |
| BLAKELY INS INC3 | 4412 73RD PLACE URBANDALE, IA 50322 | CENTRAL UNITED LIFE INSURANCE COMPANY | $2K | — | $2K | 2.63% |
| SUPPLEMENTAL INS SVCS INC3 | 115 E PLATT ST MAQUOKETA, IA 52060 | CENTRAL UNITED LIFE INSURANCE COMPANY | $2K | — | $2K | 1.89% |
| DANNIE SUTTER3 | 4224 INDEPENDENCE BLVD KANSAS CITY, KS 66109 | CENTRAL UNITED LIFE INSURANCE COMPANY | $1K | — | $1K | 1.65% |
| ROGER HARDIN3 | 1010 COURT AVE CHARITON, IA 50049 | CENTRAL UNITED LIFE INSURANCE COMPANY | $343 | — | $343 | 0.39% |
| DAVID MARTIN AGENCY INC3 Filed as: DAVID MARTIN | 3200 W 90TH ST SIOUX FALLS, SD 57108 | CENTRAL UNITED LIFE INSURANCE COMPANY | $278 | — | $278 | 0.32% |
| LOWELL WIELE3 | 1010 COURT AVE CHARITON, IA 50049 | CENTRAL UNITED LIFE INSURANCE COMPANY | $220 | — | $220 | 0.25% |
| JAMES HERMANN3 | 1010 COURT AVE, PO BOX 737 CHARITON, IA 50049 | CENTRAL UNITED LIFE INSURANCE COMPANY | $208 | — | $208 | 0.24% |
| JOHNATHAN KENT3 | PO BOX 737 CHARITON, IA 50049 | CENTRAL UNITED LIFE INSURANCE COMPANY | $78 | — | $78 | 0.09% |
| BARNEY HANKNER3 | 1001 BATTLES DR MAQUOKETA, IA 52060 | CENTRAL UNITED LIFE INSURANCE COMPANY | $29 | — | $29 | 0.03% |
| LOUIS BARBER3 | 8588 CORDES CIRCLE GERMANTOWN, TN 38139 | CENTRAL UNITED LIFE INSURANCE COMPANY | $20 | — | $20 | 0.02% |
| RHONDA S PAPE3 Filed as: RHONDA PAPE | 115 E PLATT MAQUOKETA, IA 52060 | CENTRAL UNITED LIFE INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| DANE PAPE3 | 115 EAST PLATT MAQUOKETA, IA 52060 | CENTRAL UNITED LIFE INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| MIDWEST HERITAGE3 | 1025 BRADEN AVE, PO BOX 737 CHARITON, IA 50049 | CENTRAL UNITED LIFE INSURANCE COMPANY | $309 | — | $309 | 4.90% |
| BLAKELY INS INC3 | 4412 73RD PL URBANDALE, IA 50322 | CENTRAL UNITED LIFE INSURANCE COMPANY | $185 | — | $185 | 2.94% |
| SUPPLEMENTAL INS SVCS INC3 | 115 E PLATT ST MAQUOKETA, IA 52060 | CENTRAL UNITED LIFE INSURANCE COMPANY | $117 | — | $117 | 1.86% |
| DANNIE SUTTER3 | 4224 INDEPENDENCE BLVD KANSAS CITY, KS 66109 | CENTRAL UNITED LIFE INSURANCE COMPANY | $89 | — | $89 | 1.41% |
| JAMES HERMANN3 | 1010 COURT AVE CHARITON, IA 50049 | CENTRAL UNITED LIFE INSURANCE COMPANY | $77 | — | $77 | 1.22% |
| LOWELL WIELE3 | 1010 COURT AVE CHARITON, IA 50049 | CENTRAL UNITED LIFE INSURANCE COMPANY | $3 | — | $3 | 0.05% |
| MIDWEST HERITAGE INSURANCE SERVICES3 | 1025 BRADEN AVE CHARITON, IA 50049 | AXIS INSURANCE COMPANY | $483 | — | $483 | 12.56% |
| RHONDA SUE PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AXIS INSURANCE COMPANY | $74 | — | $74 | 1.92% |
| MIDWEST HERITAGE3 | 11025 BRADEN AVE, PO BOX 737 CHARITON, IA 50049 | CENTRAL UNITED LIFE INSURANCE COMPANY | $197 | — | $197 | 9.24% |
| BLAKELY INS INC3 | 4412 73RD PL URBANDALE, IA 50322 | CENTRAL UNITED LIFE INSURANCE COMPANY | $49 | — | $49 | 2.30% |
| SUPPLEMENT INS SVCS INC3 | 115 E PLATT MAQUOKETA, IA 52060 | CENTRAL UNITED LIFE INSURANCE COMPANY | $16 | — | $16 | 0.75% |
| MIDWEST HERITAGE3 | 1025 BRADEN AVE, PO BOX 737 CHARITON, IA 50049 | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | $137 | — | $137 | 8.41% |
| BLAKELY INS INC3 | 4412 73RD PL URBANDALE, IA 50322 | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | $63 | — | $63 | 3.87% |
| SUPPLEMENTAL INS SVCS INC3 | 115 E PLATT MAQUOKETA, IA 52060 | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | $25 | — | $25 | 1.53% |
| MIDWEST HERITAGE INSURANCE SERVICES3 | 1025 BRADEN AVE CHARITON, IA 50049 | AXIS INSURANCE COMPANY | $145 | — | $145 | 13.71% |
| RHONDA SUE PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AXIS INSURANCE COMPANY | $22 | — | $22 | 2.08% |
| MIDWEST HERITAGE INSURANCE SERVICES3 | 1025 BRADEN AVE CHARITON, IA 50049 | AXIS INSURANCE COMPANY | $117 | — | $117 | 15.94% |
| RHONDA SUE PAPE3 | 115 E PLATT ST MAUOKETA, IA 52060 | AXIS INSURANCE COMPANY | $18 | — | $18 | 2.45% |
| MIDWEST HERITAGE3 | 1025 BRADEN AVE, PO BOX 737 CHARITON, IA 50049 | CENTRAL UNITED LIFE INSURANCE COMPANY | $61 | — | $61 | 8.31% |
| BLAKELY INS INC3 | 4412 73RD PL URBANDALE, IA 50322 | CENTRAL UNITED LIFE INSURANCE COMPANY | $17 | — | $17 | 2.32% |
| SUPPLEMENTAL INS SVCS INC3 | 115 E PLATT MAQUOKETA, IA 52060 | CENTRAL UNITED LIFE INSURANCE COMPANY | $6 | — | $6 | 0.82% |
| MIDWEST HERITAGE INSURANCE SERVICES3 | 1025 BRADEN AVE CHARITON, IA 50049 | AXIS INSURANCE COMPANY | $49 | — | $49 | 11.95% |
| RHONDA SUE PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AXIS INSURANCE COMPANY | $8 | — | $8 | 1.95% |
| MIDWEST HERITAGE INSURANCE SERVICES3 | 1025 BRADEN AVE CHARITON, IA 50049 | AXIA INSURANCE COMPANY | $43 | — | $43 | 11.23% |
| RHONDA SUE PAPE3 | 115 E PLATT ST MAQUOKETA, IA 50049 | AXIA INSURANCE COMPANY | $7 | — | $7 | 1.83% |
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 | 13,200 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 13,215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(11 contracts, 4 carriers) | AXIS INSURANCE COMPANY | 997 | $1.0M |
| Dental(7 contracts, 3 carriers) | AXIS INSURANCE COMPANY | 1,137 | $1.2M |
| Vision(2 contracts) | AMERITAS LIFE INSURANCE CORP | 26,538 | $2.1M |
| Life insurance(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | 22,120 | $11.9M |
| Short-term disability(6 contracts, 2 carriers) | AXIS INSURANCE COMPANY | 997 | $908K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 22,120 | $5.0M |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | 22,120 | $10.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 26,538 | — |
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.