| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MIDWEST HERITAGE INSURANCE SERVICES3 | PO BOX 737 CHARITON, IA 50049 | AMERITAS LIFE INSURANCE CORP | $317K | — | $317K | 17.50% |
| MIDWEST HERITAGE INSURANCE SERVICES3 | 1025 BRADEN AVE CHARITON, IA 50049 | AXIS INSURANCE COMPANY | $311K | — | $311K | 22.82% |
| MIDWEST HERITAGE INSURANCE SERVICES3 | PO BOX 737 CHARITON, IA 50049 | AMERITAS LIFE INSURANCE CORP | $100K | — | $100K | 17.50% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCS, LLC | P.O. BOX 9207 DES MOINES, IA 50306 | HARTFORD LIFE AND ACCIDENT | $120K | $10K | $129K | 31.62% |
| 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 | $33K | — | $33K | 10.69% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $718 | — | $718 | 0.23% |
| SUPPLEMENTAL INS SVCS INC3 Filed as: SUPPLEMENTAL INSURANCE SERVICES INC | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ALLSTATE BENEFITS | $45 | — | $45 | 0.01% |
| MIDWEST HERITAGE INSURANCE SERVICES3 | 1025 BRADEN AVE CHARITON, IA 50049 | AXIS INSURANCE COMPANY | $3K | — | $3K | 22.67% |
| MIDWEST HERITAGE INSURANCE SERVICES3 | 1025 BRADEN AVE CHARITON, IA 50049 | AXIS INSURANCE COMPANY | $1K | — | $1K | 23.67% |
| MIDWEST HERITAGE INSURANCE SERVICES3 | 1025 BRADEN AVE CHARITON, IA 50049 | AXIS INSURANCE COMPANY | $740 | — | $740 | 23.49% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $46 | — | $46 | 2.72% |
| PAPE ALAN3 Filed as: PAPE, ALAN | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.30% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27 | — | $27 | 1.62% |
| PAPE DANE3 Filed as: PAPE, DANE A. | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.48% |
| WING JESSE A3 Filed as: WING, JESSE A | 912 COUNTRY CLUB DRIVE MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.48% |
| PAPE ALAN3 Filed as: PAPE, ALAN | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.30% |
| HOEGER GARY L3 Filed as: HOEGER, GARY L | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.12% |
| MIDWEST HERITAGE INSURANCE SERVICES3 | 1025 BRADEN AVE CHARITON, IA 50049 | AXIS INSURANCE COMPANY | $277 | — | $277 | 20.73% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26 | — | $26 | 2.74% |
| PAPE ALAN3 Filed as: PAPE, ALAN | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.32% |
| MIDWEST HERITAGE INSURANCE SERVICES3 | 1025 BRADEN AVE CHARITON, IA 50049 | AXIS INSURANCE COMPANY | $33 | — | $33 | 21.85% |
| MIDWEST HERITAGE INSURANCE SERVICES3 | 1025 BRADEN AVE CHARITON, IA 50049 | AXIS INSURANCE COMPANY | $23 | — | $23 | 23.71% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 33.33% |
| PAPE ALAN3 Filed as: PAPE, ALAN | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 33.33% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | RESERVE NATIONAL INSURANCE COMPANY | $452K | — | $452K | — |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | RESERVE NATIONAL INSURANCE COMPANY | $303K | — | $303K | — |
| CHARLIE BROOKS3 | P.O BOX 1950 COPPELL, TX 75019 | RESERVE NATIONAL INSURANCE COMPANY | $12K | — | $12K | — |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | RESERVE NATIONAL INSURANCE COMPANY | $331K | — | $331K | — |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | RESERVE NATIONAL INSURANCE COMPANY | $204K | — | $204K | — |
| KENNETH DALTON HOLDERBAUM III3 Filed as: KENNETH DALTON HOLDERBAUM, III | 3005 ROBIN RD. WACO, TX 78708 | RESERVE NATIONAL INSURANCE COMPANY | $7K | — | $7K | — |
| STEVEN BELL3 | 13616 KANIS RD LITTLE ROCK, AR 72211 | RESERVE NATIONAL INSURANCE COMPANY | $7K | — | $7K | — |
| STEVEN BELL3 | 13616 KANIS RD. LITTLE ROCK, AR 72211 | RESERVE NATIONAL INSURANCE COMPANY | — | — | $0 | — |
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 | 11,652 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 11,672 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 2 carriers) | AXIS INSURANCE COMPANY | 1,348 | $1.5M |
| Dental(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP | 3,227 | $572K |
| Vision(2 contracts) | AMERITAS LIFE INSURANCE CORP | 25,634 | $2.4M |
| Life insurance(7 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 3,418 | $722K |
| Short-term disability(8 contracts, 2 carriers) | AXIS INSURANCE COMPANY | 1,348 | $1.5M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 3,418 | $409K |
| Prescription drug(6 contracts) | AXIS INSURANCE COMPANY | 1,348 | $1.4M |
| Other(4 contracts) | RESERVE NATIONAL INSURANCE COMPANY | 7,013 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 25,634 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.