| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MIDWEST HERITAGE INSURANCE SERVICES3 | 1025 BRADEN AVE CHARITON, IA 50049 | AMERITAS LIFE INSURANCE CORP | $343K | — | $343K | 17.50% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | RESERVE NATIONAL INSURANCE COMPANY | $409K | — | $409K | 24.54% |
| MIDWEST HERITAGE3 | 5820 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $305K | — | $305K | 21.77% |
| COTERIE ADVISORY GROUP3 | 7878 N. 16TH ST. SUITE 180 PHOENIX, AZ 85020 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $14K | — | $14K | 0.98% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | RESERVE NATIONAL INSURANCE COMPANY | $321K | — | $321K | 25.74% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | RESERVE NATIONAL INSURANCE COMPANY | $260K | — | $260K | 23.33% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | RESERVE NATIONAL INSURANCE COMPANY | $289K | — | $289K | 26.21% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCS, LLC | P.O. BOX 9207 DES MOINES, IA 50306 | HARTFORD LIFE AND ACCIDENT | $107K | — | $107K | 20.37% |
| MIDWEST HERITAGE3 Filed as: MIDWEST HERITAGE SERVICES, LLC | 1025 BRADEN AVENUE CHARITON, IA 50049 | DELTA DENTAL OF IOWA | $16K | $4K | $20K | 5.95% |
| MIDWEST HERITAGE3 Filed as: MIDWEST HERITAGE SERVICES, LLC | 1025 BRADEN AVENUE CHARITON, IA 50049 | DELTA DENTAL OF IOWA | $43K | $23K | $66K | 24.22% |
| MIDWEST HERITAGE3 Filed as: MIDWEST HERITAGE SERVICES INC | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25K | — | $25K | 10.45% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: SUPPLEMENTAL INSURANCE SERIVCES INC | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| MIDWEST HERITAGE INSURANCE SERVICES3 | 1025 BRADEN AVE CHARITON, IA 50049 | AMERITAS LIFE INSURANCE CORP | $33K | — | $33K | 17.50% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERTIAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 2.10% |
| PAPE ALAN3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERTIAGE LIFE INSURANCE COMPANY | $186 | — | $186 | 0.36% |
| HOEGER GARY L3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERTIAGE LIFE INSURANCE COMPANY | $152 | — | $152 | 0.30% |
| WING JESSE A3 Filed as: WING JESS A | 912 COUNTRY CLUB DRIVE MAQUOKETA, IA 52060 | AMERICAN HERTIAGE LIFE INSURANCE COMPANY | $95 | — | $95 | 0.18% |
| HARDIN ROGER WILLIAM3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERTIAGE LIFE INSURANCE COMPANY | $81 | — | $81 | 0.16% |
| SUTTER DANNIE D3 | 5246 GALLIVER CTO BAKER, FL 32531 | AMERICAN HERTIAGE LIFE INSURANCE COMPANY | $29 | — | $29 | 0.06% |
| BUCHHOLZ SHELLEY3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERTIAGE LIFE INSURANCE COMPANY | $23 | — | $23 | 0.04% |
| BURBRIDGE JAMES V3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERTIAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.03% |
| PAPE DANE3 Filed as: PAPE DANE A | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERTIAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.03% |
| PAPE DANE3 Filed as: PAPE SAMUEL M | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERTIAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.02% |
| LAING CHRISTOPHER3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERTIAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.02% |
| HERRMANN JAMES A3 | 911 W BROOKFOREST DR PEORIA, IL 61615 | AMERICAN HERTIAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 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 | 0.01% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $10 | $10 | 0.04% |
| TOPBENEFITS LLC3 | 3 BATTERYMARCH PARK FLOOR 4 QUINCY, MA 02169 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5 | $5 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARCH & MCLENNAN AGENCY LLC | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1 | $3 | $4 | 0.02% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $477 | — | $477 | 10.08% |
| GARY RIPPERGER3 Filed as: GARY L HOEGER | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $80 | — | $80 | 1.69% |
| ALAN PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $39 | — | $39 | 0.82% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $29 | — | $29 | 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 | 0.45% |
| WING JESSE A3 | 912 COUNTRY CLUB DRIVE MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.45% |
| PAPE ALAN3 | 115 E PLATT ST MAQUOLETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.28% |
| HOEGER GARY L3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.11% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | — | $18 | 2.30% |
| WING JESSE A3 | 912 COUNTRY CLUB DRIVE MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 1.92% |
| PAPE ALAN3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.77% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 2.75% |
| PAPE ALAN3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.23% |
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 | 14,064 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 201 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 201 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 14,466 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | 738 | $1.6M |
| Dental(2 contracts) | DELTA DENTAL OF IOWA | 1,138 | $605K |
| Vision(2 contracts) | AMERITAS LIFE INSURANCE CORP | 27,573 | $2.2M |
| Life insurance(7 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 3,933 | $844K |
| Short-term disability | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | 568 | $1.4M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 3,933 | $524K |
| Other(7 contracts, 2 carriers) | RESERVE NATIONAL INSURANCE COMPANY | 6,497 | $5.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 27,573 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.