| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOUGLAS W. HOEFER3 Filed as: DOUGLAS W HOEFER | 16816 EAGLEVIEW DR LAKEVILLE, MN 55044 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | — | $19K | 7.06% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER | INSURANCE SER 800 MAIN ST DUBUQUE, IA 52001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | — | $13K | 4.91% |
| BENEUSA LLC3 | 261 SCHOOL AVE STE 350 EXCELSIOR, MN 55331 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $9K | $9K | 3.36% |
| JOHN A. GRAHAM3 Filed as: JOHN W KESSLER | 13111 DANUBE LN ROSEMOUNT, MN 55068 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 3.03% |
| DOUGLAS W. HOEFER3 Filed as: DOUGLAS W HOEFER | 16816 EAGLEVIEW DR LAKEVILLE, MN 55044 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 7.08% |
| BENEUSA LLC3 | 261 SCHOOL AVE STE 350 EXCELSIOR, MN 55331 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 3.37% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER | INSURANCE SER 800 MAIN ST DUBUQUE, IA 52001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 3.26% |
| JOHN A. GRAHAM3 Filed as: JOHN W KESSLER | 13111 DANUBE LN ROSEMOUNT, MN 55068 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 3.03% |
| DOUGLAS W. HOEFER3 Filed as: DOUGLAS W HOEFER | 16816 EAGLEVIEW DR LAKEVILLE, MN 55044 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 7.13% |
| BENEUSA LLC3 | 261 SCHOOL AVE STE 350 EXCELSIOR, MN 55331 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.39% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER | INSURANCE SER 800 MAIN ST DUBUQUE, IA 52001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.21% |
| JOHN A. GRAHAM3 Filed as: JOHN W KESSLER | 13111 DANUBE LN ROSEMOUNT, MN 55068 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.05% |
| REMLEY BENEFITS LLC3 | 1225 E RIVER DR STE 302 DAVENPORT, IA 52803 | CONTINENTAL AMERICAN INSURANCE COMPANY | $883 | — | $883 | 3.66% |
| DUPACO INSURANCE SERVICES LLC3 | 3999 PENNSYLVANIA AVE DUBUQUE, IA 52002 | CONTINENTAL AMERICAN INSURANCE COMPANY | $736 | — | $736 | 3.05% |
| DONNA R WATSON3 Filed as: DONNA RAYE WATSON | 329 LA JOYA PASS LEANDER, TX 78641 | CONTINENTAL AMERICAN INSURANCE COMPANY | $301 | — | $301 | 1.25% |
| THE TODD GROUP3 | 808 E 18TH STREET CEDAR FALLS, IA 50613 | CONTINENTAL AMERICAN INSURANCE COMPANY | $242 | — | $242 | 1.00% |
| CORY D NELSON3 Filed as: CORY NELSON | 1950 TIMBER WOLF DR NORTH LIBERTY, IA 52317 | CONTINENTAL AMERICAN INSURANCE COMPANY | $184 | — | $184 | 0.76% |
| TERRELL & COMPANY INC3 | 5530 WEST PARKWAY SUITE 100 DUBUQUE, IA 50131 | CONTINENTAL AMERICAN INSURANCE COMPANY | $166 | — | $166 | 0.69% |
| HOLLY A BRINK3 | 30601 DEER TRAIL DR NEW HARTFORD, IA 50660 | CONTINENTAL AMERICAN INSURANCE COMPANY | $74 | — | $74 | 0.31% |
| BRUCE R HUTCHINSON3 | 1948 180TH ST MANCHESTER, IA 52057 | CONTINENTAL AMERICAN INSURANCE COMPANY | $59 | — | $59 | 0.24% |
| KAMI S TODD3 | 4409 BLAIR RIDGE RD CEDAR FALLS, IA 50613 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | — | $29 | 0.12% |
| SCOTT R FRITCHER3 | 3511 131ST STREET URBANDALE, IA 50323 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | — | $25 | 0.10% |
| DEREK MIZAUR3 | 2388 ANTLER RIDGE DR ASHBURY, IA 52002 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.06% |
| BERNARD J BRAZEAU3 | 6705 GRIMES ST INDIANOLA, IA 50125 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.05% |
| HEATHER D SWANSON3 | 825 SPRUCE STREET WAUKEE, IA 50263 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.05% |
| STEPHANIE M MORRIS3 Filed as: STEPHANIE MORRIS | 4479 BUNKER HILL DR BETTENDORF, IA 52722 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.04% |
| AUSTIN J PETERSON3 Filed as: AUSTIN JOEL PETERSON | AFLAC 11116 AURORA AVE URBANDALE, IA 50322 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.04% |
| RONALD L HOVICK3 Filed as: RONALD LEROY HOVICK | 2214 SW 43RD TERRACE CAPE CORAL, FL 33914 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| HOWARD EATON3 | 3141 PRAIRIE ROSE DRIVE NORWALK, IA 50211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| BRAD P LUFKIN3 | 10542 JUSTIN DR URBANDAL, IA 50322 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
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 | 607 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 617 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 610 | $73K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 610 | $266K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 610 | $87K |
| Stop-loss / reinsurancereinsurance | GARDEN STATE LIFE INSURANCE COMPANY | 1,038 | $394K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 665 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,038 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.