| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MIDWEST HERITAGE INSURANCE SERVICES3 | PO BOX 737 CHARITON, IA 50049 | AMERITAS LIFE INSURANCE CORP | $337K | — | $337K | 17.50% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | RESERVE NATIONAL INSURANCE COMPANY | $416K | — | $416K | 25.00% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | RESERVE NATIONAL INSURANCE COMPANY | $312K | — | $312K | 25.00% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | RESERVE NATIONAL INSURANCE COMPANY | $200K | — | $200K | 17.93% |
| KENNETH DALTON HOLDERBAUM III3 Filed as: KENNETH DALTON HOLDERBAUM, III | 3005 ROBIN RD. WACO, TX 78708 | RESERVE NATIONAL INSURANCE COMPANY | $2K | — | $2K | 0.16% |
| STEVEN BELL3 | 13616 KANIS RD LITTLE ROCK, AR 72211 | RESERVE NATIONAL INSURANCE COMPANY | $2K | — | $2K | 0.16% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | RESERVE NATIONAL INSURANCE COMPANY | $276K | — | $276K | 25.00% |
| CHARLIE BROOKS3 | P.O BOX 1950 COPPELL, TX 75019 | RESERVE NATIONAL INSURANCE COMPANY | $11K | — | $11K | 0.98% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCS, LLC | P.O. BOX 9207 DES MOINES, IA 50306 | HARTFORD LIFE AND ACCIDENT | $119K | — | $119K | 20.10% |
| MIDWEST HERITAGE3 Filed as: MIDWEST HERITAGE SERVICES INC | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $33K | — | $33K | 9.69% |
| MIDWEST HERITAGE3 Filed as: MIDWEST HERITAGE SERVICES, LLC | 1025 BRADEN AVENUE CHARITON, IA 50049 | DELTA DENTAL OF IOWA | $10K | $11K | $21K | 10.17% |
| MIDWEST HERITAGE INSURANCE SERVICES3 | 1025 BRADEN AVE CHARITON, IA 50049 | AMERITAS LIFE INSURANCE CORP | $34K | — | $34K | 17.50% |
| MIDWEST HERITAGE INSURANCE SERVICES3 | 1025 BRADEN AVE CHARITON, IA 50049 | AMERITAS LIFE INSURANCE CORP | $34K | — | $34K | 17.50% |
| MIDWEST HERITAGE3 Filed as: MIDWEST HERITAGE SERVICES, LLC | 1025 BRADEN AVENUE CHARITON, IA 50049 | DELTA DENTAL OF IOWA | $20K | — | $20K | 14.75% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERTIAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 2.00% |
| PAPE ALAN3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERTIAGE LIFE INSURANCE COMPANY | $222 | — | $222 | 0.36% |
| WING JESSE A3 Filed as: WING JESS A | 912 COUNTRY CLUB DRIVE MAQUOKETA, IA 52060 | AMERICAN HERTIAGE LIFE INSURANCE COMPANY | $109 | — | $109 | 0.18% |
| HARDIN ROGER WILLIAM3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERTIAGE LIFE INSURANCE COMPANY | $97 | — | $97 | 0.16% |
| BUCHHOLZ SHELLEY3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERTIAGE LIFE INSURANCE COMPANY | $82 | — | $82 | 0.13% |
| SUTTER DANNIE D3 | 5246 GALLIVER CTO BAKER, FL 32531 | AMERICAN HERTIAGE LIFE INSURANCE COMPANY | $75 | — | $75 | 0.12% |
| HOEGER GARY L3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERTIAGE LIFE INSURANCE COMPANY | $69 | — | $69 | 0.11% |
| BURBRIDGE JAMES V3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERTIAGE LIFE INSURANCE COMPANY | $35 | — | $35 | 0.06% |
| LAING CHRISTOPHER3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERTIAGE LIFE INSURANCE COMPANY | $32 | — | $32 | 0.05% |
| PAPE DANE3 Filed as: PAPE SAMUEL M | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERTIAGE LIFE INSURANCE COMPANY | $28 | — | $28 | 0.05% |
| HERRMANN JAMES A3 | 911 W BROOKFOREST DR PEORIA, IL 61615 | AMERICAN HERTIAGE LIFE INSURANCE COMPANY | $24 | — | $24 | 0.04% |
| PAPE DANE3 Filed as: PAPE DANE A | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERTIAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.02% |
| MARTIN DAVID3 | 2615 CEDARWOOD LANE ANKENY, IA 50023 | AMERICAN HERTIAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| FLUEGGE AIMEE3 | 1940 SW CASCADE FALLS DR ANKENY, IA 500237098 | AMERICAN HERTIAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $545 | — | $545 | 11.44% |
| GARY RIPPERGER3 Filed as: GARY L HOEGER | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $64 | — | $64 | 1.34% |
| ALAN PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $34 | — | $34 | 0.71% |
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 | 14,099 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 17 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 14,133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BEAZLEY INSURANCE COMPANY, INC. | 2,475 | $8.7M |
| Dental(3 contracts, 2 carriers) | DELTA DENTAL OF IOWA | 1,965 | $538K |
| Vision(2 contracts) | AMERITAS LIFE INSURANCE CORP | 27,259 | $2.1M |
| Life insurance(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 2,642 | $989K |
| Short-term disability | BEAZLEY INSURANCE COMPANY, INC. | 2,475 | $8.4M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,642 | $591K |
| Other(7 contracts, 2 carriers) | RESERVE NATIONAL INSURANCE COMPANY | 6,497 | $5.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 27,259 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.