| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE PO BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $205K | — | $205K | 8.65% |
| MIDWEST HERITAGE3 Filed as: MIDWEST HERITAGE SERVICES INC | 1025 BRADEN AVE PO BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $55K | — | $55K | 2.32% |
| ALAN PAPE3 | 115 E PLATT MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $11K | — | $11K | 0.47% |
| GARY RIPPERGER3 Filed as: GARY L HOEGER | 1025 BRADEN AVE PO BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $8K | — | $8K | 0.33% |
| MIDWEST HERITAGE3 Filed as: MIDWEST HERITAGE SVCS INC | 1025 BRADEN AVE PO BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $5K | — | $5K | 0.22% |
| ROGER HARDIN3 Filed as: ROGER WILLIAM HARDIN | 1025 BRADEN AVE PO BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $3K | — | $3K | 0.12% |
| DANNIE SUTTER3 | 1025 BRADEN AVE PO BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $3K | — | $3K | 0.11% |
| JESSE A WING3 | 912 COUNTRY CLUB DRIVE MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $2K | — | $2K | 0.06% |
| DAVID B. MARTIN3 Filed as: DAVID B MARTIN | 1025 BRADEN AVE PO BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $1K | — | $1K | 0.06% |
| DAVID MARTIN AGENCY INC3 Filed as: DAVID MARTIN | 2615 CEDARWOOD LANE ANKENY, IA 50023 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $1K | — | $1K | 0.05% |
| LOWELL WIELE3 Filed as: LOWELL A WILLE | 522 AUBURN AVE CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $910 | — | $910 | 0.04% |
| SHELLEY BUCHHOLZ3 | 1025 BRADEN AVE PO BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $665 | — | $665 | 0.03% |
| GARY RIPPERGER3 | 1025 BRADEN AVE PO BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $489 | — | $489 | 0.02% |
| SAMUEL PAPE3 Filed as: SAMUEL M PAPE | 1025 BRADEN AVE PO BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $413 | — | $413 | 0.02% |
| JAMES HERMANN3 Filed as: JAMES A HERRMANN | 1025 BRADEN AVE PO BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $253 | — | $253 | 0.01% |
| AIMEE FLUEGGE3 | 1940 SW CASCADE FALLS DR ANKENY, IA 50023 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $184 | — | $184 | 0.01% |
| COLE PAPE3 | 1025 BRADEN AVE PO BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $150 | — | $150 | 0.01% |
| ALAN PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $148 | — | $148 | 0.01% |
| JAMES HERMANN3 Filed as: JAMES V BURBRIDGE | 1025 BRADEN AVE PO BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $125 | — | $125 | 0.01% |
| SCOTT LOWENBERG3 | 929 MAINE STREET QUINCY, IL 62301 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $118 | — | $118 | 0.00% |
| CHRISTOPHER LAING3 | 1025 BRADEN AVE PO BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $97 | — | $97 | 0.00% |
| DANE PAPE3 Filed as: DANE A PAPE | 1025 BRADEN AVE PO BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $63 | — | $63 | 0.00% |
| ANDREW OLBERDING3 | 323 MAIN ST SENECA, KS 66538 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $42 | — | $42 | 0.00% |
| BARNEY JOE HANKNER3 | 1025 BRADEN AVE PO BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $42 | — | $42 | 0.00% |
| JEREMY PURDY3 Filed as: JEREMY P PURDY | 1025 BRADEN AVE PO BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $24 | — | $24 | 0.00% |
| GERARDO CASTILLO3 | 11409 COLORADO AVE APT 10 KANSAS CITY, MO 64137 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $21 | — | $21 | 0.00% |
| DAVID LAING3 Filed as: DAVID J LAING | 21682 485TH LN CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $21 | — | $21 | 0.00% |
| PHILLIP DOWTY3 Filed as: PHILLIP E DOWTY | 15616 COUNTRY RD #44 GOSHEN, IN 46526 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $17 | — | $17 | 0.00% |
| ANTHONY DITORO3 | PO BOX 737 EAST MOLINE, IL 61244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $15 | — | $15 | 0.00% |
| BARNEY HANKNER3 Filed as: BARNEY J HANKNER | 1001 BATTLES DR MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $15 | — | $15 | 0.00% |
| PAUL CHESTER3 | 4127 T ST OMAHA, NE 68107 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $11 | — | $11 | 0.00% |
| JOHN JACKSON DAVIS3 Filed as: JOHN J DAVIS | PO BOX 886 LAWRENCEBURG, TN 38464 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $10 | — | $10 | 0.00% |
| JULIE W TITZE3 | 1025 BRADEN AVE PO BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $9 | — | $9 | 0.00% |
| SUPPLEMENTAL INS SVCS INC3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $8 | — | $8 | 0.00% |
| GEORGE DUNLAP3 | 650 S PRAIRIE VIEW DRIVE #235 WEST DES MOINES, IA 50266 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $8 | — | $8 | 0.00% |
| ERIC CHRISTENSEN3 | 47575 271ST ST HARRISBURG, SD 57032 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $7 | — | $7 | 0.00% |
| ALAN HARRIS3 | 8009 GOODMAN DR URBANDALE, IA 50322 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $3 | — | $3 | 0.00% |
| JEFF BASS3 | 2531 185TH ST WINTERSET, IA 50273 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $3 | — | $3 | 0.00% |
| NICHOLAS JAMES3 Filed as: NICHOLAS L JAMES | 1025 BRADEN AVE PO BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $1 | — | $1 | 0.00% |
| KENNETH CRAIG3 | 4540 49TH PLACE DES MOINES, IA 50310 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $1 | — | $1 | 0.00% |
| MIDWEST HERITAGE INSURANCE SERVICES3 | PO BOX 737 CHARITON, IA 50049 | AMERITAS LIFE INSURANCE CORP | $304K | $0 | $304K | 16.55% |
| MIDWEST HERITAGE INSURANCE SERVICES3 | 1025 BRADEN AVE CHARITON, IA 50049 | AXIS INSURANCE COMPANY | $241K | — | $241K | 19.05% |
| RHONDA SUE PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AXIS INSURANCE COMPANY | $11K | — | $11K | 0.84% |
| 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 | $139K | — | $139K | 16.71% |
| AMERICAN HERITAGE LIFE INSURANCE CO3 Filed as: AMERICAN HERITAGE LIFE INSURANCE | 1776 AMERICAN HERITAGE LIFE DR JACKSONVILLE, FL 32258 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $7K | — | $7K | 0.87% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCS INC | P.O. BOX 9207 DES MOINES, IA 50306 | HARTFORD LIFE AND ACCIDENT | $113K | — | $113K | 14.72% |
| MIDWEST HERITAGE INSURANCE SERVICES3 | PO BOX 737 CHARITON, IA 50049 | AMERITAS LIFE INSURANCE CORP | $83K | $19K | $102K | 19.32% |
| MIDWEST HERITAGE3 | 1025 BRADEN AVE, PO BOX 737 CHARITON, IA 50049 | CENTRAL UNITED LIFE INSURANCE COMPANY | $2K | — | $2K | 5.72% |
| BLAKELY INS INC3 | 4412 73RD PLACE URBANDALE, IA 50322 | CENTRAL UNITED LIFE INSURANCE COMPANY | $754 | — | $754 | 2.67% |
| SUPPLEMENTAL INS SVCS INC3 | 115 E PLATT ST MAQUOKETA, IA 52060 | CENTRAL UNITED LIFE INSURANCE COMPANY | $571 | — | $571 | 2.02% |
| DANNIE SUTTER3 | 4224 INDEPENDENCE BLVD KANSAS CITY, KS 66109 | CENTRAL UNITED LIFE INSURANCE COMPANY | $435 | — | $435 | 1.54% |
| ROGER HARDIN3 | 1010 COURT AVE CHARITON, IA 50049 | CENTRAL UNITED LIFE INSURANCE COMPANY | $135 | — | $135 | 0.48% |
| DAVID MARTIN AGENCY INC3 Filed as: DAVID MARTIN | 3200 W 90TH ST SIOUX FALLS, SD 57108 | CENTRAL UNITED LIFE INSURANCE COMPANY | $102 | — | $102 | 0.36% |
| LOWELL WIELE3 | 1010 COURT AVE CHARITON, IA 50049 | CENTRAL UNITED LIFE INSURANCE COMPANY | $86 | — | $86 | 0.30% |
| JOHNATHAN KENT3 | PO BOX 737 CHARITON, IA 50049 | CENTRAL UNITED LIFE INSURANCE COMPANY | $33 | — | $33 | 0.12% |
| BARNEY HANKNER3 | 1001 BATTLES DR MAQUOKETA, IA 52060 | CENTRAL UNITED LIFE INSURANCE COMPANY | $12 | — | $12 | 0.04% |
| LOUIS BARBER3 | 8588 CORDES CIRCLE GERMANTOWN, TN 38139 | CENTRAL UNITED LIFE INSURANCE COMPANY | $8 | — | $8 | 0.03% |
| RHONDA S PAPE3 Filed as: RHONDA PAPE | 115 E PLATT MAQUOKETA, IA 52060 | CENTRAL UNITED LIFE INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| DANE PAPE3 | 115 E PLATT MAQUOKETA, IA 52060 | CENTRAL UNITED LIFE INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| MIDWEST HERITAGE INSURANCE SERVICES3 | 1025 BRADEN AVE CHARITON, IA 50049 | AXIS INSURANCE COMPANY | $968 | — | $968 | 18.31% |
| RHONDA SUE PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AXIS INSURANCE COMPANY | $61 | — | $61 | 1.15% |
| MIDWEST HERITAGE3 | 1025 BRADEN AVE, PO BOX 737 CHARITON, IA 50049 | CENTRAL UNITED LIFE INSURANCE COMPANY | $91 | — | $91 | 4.66% |
| BLAKELY INS INC3 | 4412 73RD PL URBANDALE, IA 50322 | CENTRAL UNITED LIFE INSURANCE COMPANY | $65 | — | $65 | 3.33% |
| SUPPLEMENTAL INS SVCS INC3 | 115 E PLATT ST MAQUOKETA, IA 52060 | CENTRAL UNITED LIFE INSURANCE COMPANY | $39 | — | $39 | 2.00% |
| DANNIE SUTTER3 | 4224 INDEPENDENCE BLVD KANSAS CITY, KS 66109 | CENTRAL UNITED LIFE INSURANCE COMPANY | $26 | — | $26 | 1.33% |
| LOWELL WIELE3 | 1010 COURT AVE CHARITON, IA 50049 | CENTRAL UNITED LIFE INSURANCE COMPANY | $1 | — | $1 | 0.05% |
| MIDWEST HERITAGE INSURANCE SERVICES3 | 1025 BRADEN AVE CHARITON, IA 50049 | AXIS INSURANCE COMPANY | $171 | — | $171 | 15.65% |
| RHONDA SUE PAPE3 | 115 E PLATT ST MAUOKETA, IA 52060 | AXIS INSURANCE COMPANY | $9 | — | $9 | 0.82% |
| MIDWEST HERITAGE3 | 1025 BRADEN AVE, PO BOX 737 CHARITON, IA 50049 | CENTRAL UNITED LIFE INSURANCE COMPANY | $28 | — | $28 | 2.63% |
| BLAKELY INS INC3 | 4412 73RD PL URBANDALE, IA 50322 | CENTRAL UNITED LIFE INSURANCE COMPANY | $7 | — | $7 | 0.66% |
| SUPPLEMENT INS SVCS INC3 | 115 E PLATT MAQUOKETA, IA 52060 | CENTRAL UNITED LIFE INSURANCE COMPANY | $2 | — | $2 | 0.19% |
| MIDWEST HERITAGE INSURANCE SERVICES3 | 1025 BRADEN AVE CHARITON, IA 50049 | AXIS INSURANCE COMPANY | $174 | — | $174 | 17.43% |
| RHONDA SUE PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AXIS INSURANCE COMPANY | $15 | — | $15 | 1.50% |
| MIDWEST HERITAGE INSURANCE SERVICES3 | 1025 BRADEN AVE CHARITON, IA 50049 | AXIS INSURANCE COMPANY | $22 | — | $22 | 20.18% |
| RHONDA SUE PAPE3 | 115 E PLATT ST MAQUOKETA, IA 50049 | AXIS INSURANCE COMPANY | $3 | — | $3 | 2.75% |
| MIDWEST HERITAGE INSURANCE SERVICES3 | 1025 BRADEN AVE CHARITON, IA 50049 | AXIS INSURANCE COMPANY | $24 | — | $24 | 22.64% |
| RHONDA SUE PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AXIS INSURANCE COMPANY | $1 | — | $1 | 0.94% |
| MIDWEST HERITAGE3 Filed as: MIDWEST HERITAGE SERVICES, LLC. | 1025 BRADEN AVE. CHARITON, IA 50049 | RESERVE NATIONAL INSURANCE COMPANY | $218K | — | $218K | — |
| MIDWEST HERITAGE3 Filed as: MIDWEST HERITAGE SERVICES, LLC. | 1025 BRADEN AVE. CHARITON, IA 50049 | RESERVE NATIONAL INSURANCE COMPANY | $146K | — | $146K | — |
| CHARLIE BROOKS3 | P.O BOX 1950 COPPEL, TX 75019 | RESERVE NATIONAL INSURANCE COMPANY | $6K | — | $6K | — |
| MIDWEST HERITAGE3 Filed as: MIDWEST HERITAGE SERVICES, LLC | 1025 BRADEN AVE. CHARITON, IA 50049 | RESERVE NATIONAL INSURANCE COMPANY | $15.9M | — | $15.9M | — |
| MIDWEST HERITAGE3 Filed as: MIDWEST HERITAGE SERVICES, LLC. | 1025 BRADEN AVE. CHARITON, IA 50049 | RESERVE NATIONAL INSURANCE COMPANY | $99K | — | $99K | — |
| KENNETH DALTON HOLDERBAUM III3 Filed as: KENNETH DALTON HOLDERBAUM, III | 3005 ROBIN RD. WACO, TX 78708 | RESERVE NATIONAL INSURANCE COMPANY | $3K | — | $3K | — |
| STEVEN BELL3 | 13616 KANIS RD. LITTLE ROCK, AR 72211 | RESERVE NATIONAL INSURANCE COMPANY | $3K | — | $3K | — |
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 | 13,640 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 13,649 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 2 carriers) | AXIS INSURANCE COMPANY | 1,154 | $1.3M |
| Dental(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP | 5,037 | $529K |
| Vision(2 contracts) | AMERITAS LIFE INSURANCE CORP | 27,222 | $2.4M |
| Life insurance(4 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | 3,278 | $4.0M |
| Short-term disability(6 contracts) | AXIS INSURANCE COMPANY | 1,154 | $1.3M |
| Prescription drug(5 contracts) | AXIS INSURANCE COMPANY | 1,154 | $1.3M |
| Other(5 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | 6,217 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 27,222 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.