| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAMAIR MULOCK CONDON CO3 Filed as: LAMAIR-MULOCK-CONDON COMPANY | 4200 UNIVERSITY AVE STE 200 WEST DES MOINES, IA 50266 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $67K | $7K | $75K | 14.05% |
| SUPPLEMETAL INS PROF LLC3 | 1956 PARK AVENUE DES MOINES, IA 50315 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 11.66% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: LMC INS & RISK MGMT INC | 4200 UNIVERSITY AVE. #200 WEST DES MOINES, IA 50266 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 7.09% |
| ASI LLC4 | PO BOX 412 HAMPTON, IA 50441 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $330 | — | $330 | 0.48% |
| RHONDA S PAPE4 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $139 | — | $139 | 0.20% |
| LAMAIR MULOCK CONDON CO3 Filed as: LAMAIR-MULOCK-CONDON CO | 4200 UNIVERSITY AVENUE SUITE 200 WEST DES MOINES, IA 502665945 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $113 | — | $113 | 0.17% |
| DANE PAPE4 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $67 | — | $67 | 0.10% |
| COLE PAPE4 Filed as: COLE M PAPE | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $62 | — | $62 | 0.09% |
| CINDY ANDERSON4 | 18862D 345TH ST FOREST CITY, IA 50436 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $36 | — | $36 | 0.05% |
| EDWARD C BIEHN4 | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | — | $18 | 0.03% |
| ALAN PAPE4 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| SUPPLEMETAL INS PROF LLC3 | 1956 PARK AVENUE DES MOINES, IA 50315 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16K | — | $16K | 35.86% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: LMC INS & RISK MGMT INC | 4200 UNIVERSITY AVE. #200 WEST DES MOINES, IA 50266 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 7.84% |
| ASI LLC4 | PO BOX 412 HAMPTON, IA 50441 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $203 | — | $203 | 0.46% |
| RHONDA S PAPE4 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $83 | — | $83 | 0.19% |
| LAMAIR MULOCK CONDON CO3 Filed as: LAMAIR-MULOCK-CONDON CO | 4200 UNIVERSITY AVE. #200 WEST DES MOINES, IA 50266 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $70 | — | $70 | 0.16% |
| DANE PAPE4 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $41 | — | $41 | 0.09% |
| COLE PAPE4 Filed as: COLE M PAPE | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $39 | — | $39 | 0.09% |
| CINDY ANDERSON4 | 18862D 345TH ST FOREST CITY, IA 50436 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | — | $22 | 0.05% |
| EDWARD C BIEHN4 | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.02% |
| ALAN PAPE4 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| BRADLEY L WALKER4 | 3215 WAYLAND RD WAYLAND, IA 52654 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $4K | — | $4K | 12.59% |
| WILLIAM J WALKER4 | 3215 WAYLAND RD WAYLAND, IA 52654 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $4K | — | $4K | 12.50% |
| RUTH A EBKE4 | 15437 AURORA AVE URBANDALE, IA 50323 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $975 | — | $975 | 3.32% |
| CINDY L ANDERSON4 | 18862D 345TH ST FOREST CITY, IA 50436 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $452 | — | $452 | 1.54% |
| GERRIT J VIS4 | 3147 ELMWOOD AVE ROCK VALLEY, IA 51247 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $183 | — | $183 | 0.62% |
| XTRABIZ INC.4 Filed as: XTRABIZ INC | 575 PHARR RD NE, UNIT 11567 ATLANTA, GA 30355 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $84 | — | $84 | 0.29% |
| SCHURING AND UITERMARKT FINANCIAL S4 | 916 W 16TH ST PELLA, IA 50219 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $33 | — | $33 | 0.11% |
| JAY R BROWER4 | PO BOX 412 HAMPTON, IA 50441 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $474 | — | $474 | 7.06% |
| ASI LLC4 | PO BOX 412 HAMPTON, IA 50441 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $130 | — | $130 | 1.94% |
| EDWARD C BIEHN4 | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $56 | — | $56 | 0.83% |
| RHONDA S PAPE4 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $49 | — | $49 | 0.73% |
| LAMAIR MULOCK CONDON CO3 Filed as: LAMAIR-MULOCK-CONDON CO | 4200 UNIVERSITY AVE. #200 WEST DES MOINES, IA 50266 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $43 | — | $43 | 0.64% |
| DANE PAPE4 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24 | — | $24 | 0.36% |
| COLE PAPE4 Filed as: COLE M PAPE | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | — | $21 | 0.31% |
| ALLIANCE BNFT GRP FIN SRVC4 Filed as: ALLIANCE BNFT GROUP FINL SVS CORP | PO BOX 1206 ALBERT LEA, MN 56007 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.16% |
| CINDY ANDERSON4 | 18862D 345TH ST FOREST CITY, IA 50436 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.12% |
| ALAN PAPE4 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.07% |
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 | 3,064 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 52 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF IOWA | 2,443 | $0 |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,064 | $989K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,064 | $459K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,064 | $607K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,064 | — |
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.