| 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 | $330K | $59K | $389K | 20.65% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 500491770 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $115K | — | $115K | 9.52% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 500491770 | RESERVE NATIONAL INSURANCE COMPANY | $296K | — | $296K | 25.02% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 500491770 | RESERVE NATIONAL INSURANCE COMPANY | $237K | — | $237K | 25.01% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 500491770 | RESERVE NATIONAL INSURANCE COMPANY | $234K | — | $234K | 25.01% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 500491770 | RESERVE NATIONAL INSURANCE COMPANY | $224K | — | $224K | 25.03% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 500491770 | DELTA DENTAL OF IOWA | $19K | $4K | $23K | 6.19% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 500491770 | DELTA DENTAL OF IOWA | $40K | $11K | $51K | 19.94% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 500491770 | AMERITAS LIFE INSURANCE CORP | $27K | $2K | $29K | 18.86% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17K | — | $17K | 11.15% |
| MIDWEST HERITAGE3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 500491770 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $100K | $115K | 93.64% |
| TOPBENEFITS LLC3 Filed as: TOPBENEFITS, LLC | 3 BATTERYMARCH PARK QUINCY, MA 02169 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $49K | $60K | 49.07% |
| 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 | $12K | $41K | $53K | 42.87% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $871 | — | $871 | 2.20% |
| HOEGER GARY L3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $159 | — | $159 | 0.40% |
| PAPE ALAN3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $147 | — | $147 | 0.37% |
| WING JESSE A3 | 912 COUNTRY CLUB DRIVE MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $76 | — | $76 | 0.19% |
| HARDIN ROGER WILLIAM3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $56 | — | $56 | 0.14% |
| PAPE DANE3 Filed as: PAPE DANE A | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23 | — | $23 | 0.06% |
| MARTIN DAVID3 | 1714 SW FRANKLIN DRIVE ANKENY, IA 50023 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| SUTTER DANNIE D3 | 5246 GALLIVER CTO BAKER, FL 32531 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| WING JESSE A3 | 912 COUNTRY CLUB DRIVE MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 500491770 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.57% |
| HOEGER GARY L3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 500491770 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.51% |
| PAPE ALAN3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.13% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $50 | — | $50 | 9.62% |
| PAPE ALAN3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.19% |
| HOEGER GARY L3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | -$1 | — | -$1 | -0.19% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 2.81% |
| PAPE ALAN3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.26% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 1.52% |
| PAPE DANE3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.38% |
| WING JESSE A3 | 912 COUNTRY CLUB DRIVE MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.38% |
| PAPE ALAN3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.38% |
| HOEGER GARY L3 Filed as: HOEGER GARY | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.38% |
| 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 | $5 | — | $5 | 2.46% |
| 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 | 14,122 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 108 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 14,230 | 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 | 940 | $1.4M |
| Dental(2 contracts) | DELTA DENTAL OF IOWA | 1,100 | $634K |
| Vision(2 contracts) | AMERITAS LIFE INSURANCE CORP | 27,896 | $2.0M |
| Life insurance(6 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 656 | $316K |
| Short-term disability | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | 940 | $1.2M |
| Other(7 contracts, 2 carriers) | RESERVE NATIONAL INSURANCE COMPANY | 4,958 | $4.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 27,896 | — |
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.