| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC3 Filed as: LMC INSURANCE & RISK MANAGEMENT INC | 4200 UNIVERSITY AVE. #200 WEST DES MOINES, IA 50266 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $46K | — | $46K | 6.66% |
| SUPPLEMETAL INS PROF LLC3 | 1956 PARK AVENUE DES MOINES, IA 50315 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | — | $10K | 12.48% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS | 4200 UNIVERSITY AVE. #200 WEST DES MOINES, IA 50266 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 7.99% |
| ASI LLC4 | PO BOX 412 HAMPTON, IA 50441 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| SELECT NETWORKS3 | 317 6TH AVE., SUITE 1040 DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $8K | — | $8K | 11.01% |
| LAMAIR MULOCK CONDON CO3 Filed as: LAMAIR MULOCK CONDON | 4200 UNIVERSITY AVENUE SUITE 200 WEST DES MOINES, IA 50266 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 6.36% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS, LLC | 4200 UNIVERSITY AVENUE, STE. 200 WEST DES MOINES, IA 50266 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 3.64% |
| BRADLEY L WALKER4 | 1216 N 3RD AVE WASHINGTON, IA 52353 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $4K | — | $4K | 8.50% |
| WILLIAM J WALKER4 | 3215 WAYLAND RD WAYLAND, IA 52654 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $4K | — | $4K | 8.50% |
| SUPPLEMETAL INS PROF LLC3 | 1956 PARK AVENUE DES MOINES, IA 50315 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | — | $10K | — |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS | 4200 UNIVERSITY AVE. #200 WEST DES MOINES, IA 50266 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | — |
| ASI LLC4 | PO BOX 412 HAMPTON, IA 50441 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $139 | — | $139 | — |
| RHONDA S PAPE4 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $57 | — | $57 | — |
| DANE PAPE4 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27 | — | $27 | — |
| COLE PAPE4 Filed as: COLE M PAPE | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26 | — | $26 | — |
| CINDY ANDERSON4 | 18862D 345TH ST FOREST CITY, IA 50436 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | — |
| EDWARD C BIEHN4 | 1516 S MARSHALL ST BOONE, IA 50036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | — |
| ALAN PAPE4 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | — |
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 | 3,223 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,514 | $71K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 3,223 | $688K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 3,223 | $336K |
| Other(6 contracts, 4 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 3,223 | $887K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,223 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.