| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE CHARITON, IA 500491770 | AMERITAS LIFE INSURANCE CORP | $323K | $18K | $341K | 18.48% |
| MIDWEST HERITAGE3 Filed as: MIDWEST HERITAGE SERVICES LLC | 1025 BRADEN AVE CHARITON, IA 50049 | RESERVE NATIONAL INSURANCE COMPANY | $317K | — | $317K | 25.02% |
| MIDWEST HERITAGE3 | 5820 WESTTOWN PARKWAY WEST DES MOINES, IA 50266 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $97K | $288 | $97K | 8.64% |
| MIDWEST HERITAGE3 Filed as: MIDWEST HERITAGE SERVICES, LLC | 1025 BRADEN AVE CHARITON, IA 50049 | RESERVE NATIONAL INSURANCE COMPANY | $261K | — | $261K | 25.01% |
| MIDWEST HERITAGE3 Filed as: MIDWEST HERITAGE SERVICES, LLC | 1025 BRADEN AVE CHARITON, IA 50049 | RESERVE NATIONAL INSURANCE COMPANY | $257K | — | $257K | 25.01% |
| MIDWEST HERITAGE3 Filed as: MIDWEST HERITAGE SERVICES, LLC | 1025 BRADEN AVE CHARITON, IA 50049 | RESERVE NATIONAL INSURANCE COMPANY | $250K | — | $250K | 25.05% |
| MIDWEST HERITAGE INS SVCS3 | 3580 EP TRUE PKWY. STE 100 DES MOINES, IA 50265 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $38K | $38K | 6.71% |
| TOPBENEFITS LLC3 Filed as: TOPBENEFITS | 3 BATTERYMARCH PARK 4TH FLOOR QUINCY, MA 02169 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $30K | $34K | 6.03% |
| AMERICAN BNFT & COMP SYSTEMS3 | 101 PARK AVE. 14TH FLOOR NEW YORK, NY 10016 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $9K | $9K | 1.69% |
| TOPBENEFITS LLC3 Filed as: TOPBENEFITS | PO BOX 96002 CHICAGO, IL 60693 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.45% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 500491770 | AMERITAS LIFE INSURANCE CORP | $34K | $2K | $36K | 10.48% |
| MIDWEST HERITAGE3 Filed as: MIDWEST HERITAGE SERVICES INC. | 1025 BRADEN AVE. STE 155 P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17K | — | $17K | 9.88% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 500491770 | AMERITAS LIFE INSURANCE CORP | $29K | $2K | $30K | 18.50% |
| MIDWEST HERITAGE3 Filed as: MIDWEST HERITAGE SERVICES LLC | 1025 BRADEN AVE CHARITON, IA 50049 | DELTA DENTAL OF IOWA | $7K | — | $7K | 4.66% |
| MIDWEST HERITAGE3 Filed as: MIDWEST HERITAGE SERVICES LLC | 1025 BRADEN AVE CHARITON, IA 50049 | DELTA DENTAL OF IOWA | $15K | — | $15K | 14.40% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE CHARITON, IA 500491770 | AMERITAS LIFE INSURANCE CORP | $11K | $18K | $29K | 47.39% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $726 | — | $726 | 2.22% |
| HOEGER GARY L3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $158 | — | $158 | 0.48% |
| PAPE ALAN3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $119 | — | $119 | 0.36% |
| WING JESSE A3 | 912 COUNTRY CLUB DRIVE MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $43 | — | $43 | 0.13% |
| HARDIN ROGER WILLIAM3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27 | — | $27 | 0.08% |
| PAPE DANE3 Filed as: PAPE DANE A | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.03% |
| MARTIN DAVID3 | 1714 SW FRANKLIN DRIVE ANKENY, IA 50023 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE CHARITON, IA 500491770 | AMERITAS LIFE INSURANCE CORP | $3K | $18K | $21K | 123.90% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 500491770 | AMERITAS LIFE INSURANCE CORP | $2K | $18K | $20K | 148.82% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE CHARITON, IA 500491770 | AMERITAS LIFE INSURANCE CORP | $2K | $18K | $20K | 197.27% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE CHARITON, IA 500491770 | AMERITAS LIFE INSURANCE CORP | $1K | $18K | $19K | 275.33% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $72 | — | $72 | 2.31% |
| HOEGER GARY L3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.48% |
| PAPE ALAN3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.38% |
| WING JESSE A3 | 912 COUNTRY CLUB DRIVE MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.22% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE. CHARITON, IA 500491770 | AMERITAS LIFE INSURANCE CORP. | $390 | $18K | $18K | 824.92% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE. CHARITON, IA 500491770 | AMERITAS LIFE INSURANCE CORP. | $350 | $18K | $18K | 918.20% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 500491770 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.13% |
| HOEGER GARY L3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 500491770 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.13% |
| PAPE ALAN3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.07% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE P.O. BOX 737 CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $121 | — | $121 | 18.94% |
| PAPE ALAN3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.16% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE. CHARITON, IA 500491770 | AMERITAS LIFE INSURANCE CORP | $73 | $2K | $2K | 409.79% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE. CHARITON, IA 500491770 | AMERITAS LIFE INSURANCE CORP. | $67 | $2K | $2K | 445.57% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE. CHARITON, IA 500491770 | AMERITAS LIFE INSURANCE CORP. | $14 | $2K | $2K | 2153.25% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE CHARITON, IA 500491770 | AMERITAS LIFE INSURANCE CORP | $8 | $18K | $18K | 40959.09% |
| MIDWEST HERITAGE INS SVCS3 | 1025 BRADEN AVE. CHARITON, IA 500491770 | AMERITAS LIFE INSURANCE CORP. | -$5 | $2K | $2K | 4966.67% |
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 | 14,527 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 90 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 14,617 | 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 | 672 | $1.3M |
| Dental(3 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP | 3,491 | $601K |
| Vision(14 contracts) | AMERITAS LIFE INSURANCE CORP | 27,183 | $2.1M |
| Life insurance(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 672 | $767K |
| Short-term disability | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | 539 | $1.1M |
| Other(8 contracts, 3 carriers) | RESERVE NATIONAL INSURANCE COMPANY | 5,254 | $5.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 27,183 | — |
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.