| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 500491770 | AMERITAS LIFE INSURANCE CORP | $313K | — | $313K | 17.50% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 500491770 | RESERVE NATIONAL INSURANCE COMPANY | $361K | — | $361K | 24.98% |
| MIDWEST HERITAGE INS SVCS3 | — | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $199K | — | $199K | 14.04% |
| COTERIE ADVISORY GROUP3 | 7878 N. 16TH ST. SUITE 180 PHOENIX, AZ 85020 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $105K | — | $105K | 7.39% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 500491770 | RESERVE NATIONAL INSURANCE COMPANY | $295K | — | $295K | 24.96% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 500491770 | RESERVE NATIONAL INSURANCE COMPANY | $277K | — | $277K | 25.90% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 500491770 | RESERVE NATIONAL INSURANCE COMPANY | $265K | — | $265K | 25.39% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 500491770 | DELTA DENTAL OF IOWA | $17K | $4K | $21K | 6.44% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 500491770 | DELTA DENTAL OF IOWA | $41K | $10K | $51K | 18.70% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20K | — | $20K | 9.95% |
| SUPPLEMENTAL INS SVCS INC3 Filed as: SUPPLEMENTAL INSURANCE SERVICES INC | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 20 N. MARTINGALE RD STE 100 SCHAUMBURG, IL 60173 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $893 | $11K | $12K | 8.45% |
| MIDWEST HERITAGE3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 500491770 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $9K | $9K | 6.26% |
| TOPBENEFITS LLC3 Filed as: TOPBENEFITS, LLC | 3 BATTERYMARCH PARK QUINCY, MA 02169 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 2.87% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 500491770 | AMERITAS LIFE INSURANCE CORP | $22K | — | $22K | 17.64% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $957 | — | $957 | 1.97% |
| HOEGER GARY L3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $178 | — | $178 | 0.37% |
| PAPE ALAN3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $163 | — | $163 | 0.34% |
| WING JESSE A3 | 912 COUNTRY CLUB DRIVE MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $78 | — | $78 | 0.16% |
| HARDIN ROGER WILLIAM3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $77 | — | $77 | 0.16% |
| PAPE DANE3 Filed as: PAPE DANE A | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.02% |
| MARTIN DAVID3 | 1714 SW FRANKLIN DRIVE ANKENY, IA 50023 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| FLUEGGE AIMEE3 | 1940 SW CASCADE FALLS DR ANKENY, IA 500237098 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| PAPE DANE3 Filed as: PAPE SAMUEL M | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| SUTTER DANNIE D3 | 5246 GALLIVER CTO BAKER, FL 32531 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $204 | — | $204 | 7.45% |
| HOEGER GARY L3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $69 | — | $69 | 2.52% |
| PAPE ALAN3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $29 | — | $29 | 1.06% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | — | $22 | 1.66% |
| PAPE DANE3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.45% |
| WING JESSE A3 | 912 COUNTRY CLUB DRIVE MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.45% |
| PAPE ALAN3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.30% |
| HOEGER GARY L3 Filed as: HOEGER GARY | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.15% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 2.72% |
| PAPE ALAN3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.23% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 2.46% |
| WING JESSE A3 | 912 COUNTRY CLUB DRIVE MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 1.97% |
| PAPE ALAN3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.99% |
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 | 13,614 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 192 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 13,806 | 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 | 679 | $1.6M |
| Dental(2 contracts) | DELTA DENTAL OF IOWA | 1,093 | $607K |
| Vision(2 contracts) | AMERITAS LIFE INSURANCE CORP | 26,015 | $1.9M |
| Life insurance(6 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 679 | $391K |
| Short-term disability | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | 568 | $1.4M |
| Other(7 contracts, 2 carriers) | RESERVE NATIONAL INSURANCE COMPANY | 6,672 | $4.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 26,015 | — |
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.