| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT STAFF LLC3 Filed as: BENEFIT STAFF, LLC | 2550 MIDDLE ROAD SUITE 300 BETTENFORF, IA 52722 | FIDELITY SECURITY LIFE | $13K | — | $13K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2 PIERCE PLACE 14TH FLOOR ITASA, IL 60143 | FIDELITY SECURITY LIFE | $4K | — | $4K | 3.00% |
| BENEFIT STAFF LLC3 | 2550 MIDDLE ROAD SUITE 300 BETTENDORF, IA 52722 | LIFE INSURANCE COMPNAY OF NORTH AMERICA | $7K | — | $7K | 7.13% |
| BRAD BIEL3 Filed as: BRAD JOHNSON | 2550 MIDDLE ROAD SUITE 300 BETTENDORF, IA 52722 | VISION SERVICE PLAN | $1K | — | $1K | 4.52% |
| DONNA R WATSON3 Filed as: DONNA FREESE | 1122 WEST 59TH STREET DAVENPORT, IA 52806 | AFLAC | $2K | $30 | $2K | 6.50% |
| DONNA R WATSON3 | 876 TANGLEFOOT LANE BETTENDORF, IA 52722 | AFLAC | $507 | $8 | $515 | 1.86% |
| JEANNE T SCHWAB3 | 2655 MIDDLE ROAD DAVENPORT, IA 52803 | AFLAC | $220 | — | $220 | 0.80% |
| TONYA L REMLEY3 | 876 TANGLEFOOT LANE BETTENDORF, IA 52722 | AFLAC | $116 | $7 | $123 | 0.45% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DRIVE SUITE 102 URBANDALE, IA 50322 | AFLAC | $96 | — | $96 | 0.35% |
| DOREEN R TOWNSEND3 | 341 WEST HEATHER GLEN DRIVE ELDRIDGE, IA 52748 | AFLAC | $81 | — | $81 | 0.29% |
| CATHY A BEST3 | 4604 31ST AVENUE MOLINE, IL 61265 | AFLAC | $64 | — | $64 | 0.23% |
| MATTHEW J SCHNEIDER3 | 2768 EAST 53RD STREET APARTMENT 8 DAVENPORT, IA 52807 | AFLAC | $63 | — | $63 | 0.23% |
| ROSEMARY ZERBONIA3 | 244 HUMMINGBIRD LANE HANNIBAL, MO 63401 | AFLAC | $53 | — | $53 | 0.19% |
| CASEY R MOLDENHAUER3 | W8028 COUNTRY AVENUE HOLMEN, WI 54636 | AFLAC | $48 | — | $48 | 0.17% |
| JANE POTTEBAUM3 | 19258 HAWTHORNE AVENUE CARROLL, IA 51401 | AFLAC | $36 | — | $36 | 0.13% |
| LAUREN E WEIBERT3 | 601 BRADY STREET SUITE 311 DAVENPORT, IA 52803 | AFLAC | $28 | $2 | $30 | 0.11% |
| HAYS COMPANIES, INC.3 Filed as: MINDY E HAYS | 905 US HIGHWAY 24/36 EAST MONROE CITY, MO 63456 | AFLAC | $25 | — | $25 | 0.09% |
| ALISON M MORROW3 | 311 FINANCIAL WAY SUITE 220 WAUSAU, WI 54401 | AFLAC | $20 | — | $20 | 0.07% |
| KACY A GRUENKEMEYER3 | 1116 AURORA AVENUE URBANDALE, IA 50322 | AFLAC | $12 | $8 | $20 | 0.07% |
| MARY M GRUNDMEIER3 | 1825 NORTH CARROLL STREET CARROLL, IA 51401 | AFLAC | $18 | — | $18 | 0.07% |
| ASHTON CONSULTING INC3 | 2101 WEST BROADWAY SUITE 200 COLUMBIA, MO 65203 | AFLAC | $14 | — | $14 | 0.05% |
| JOSHUA P PUTRICH3 | 537 EAST COURT STREET FARMINGTON, IL 61531 | AFLAC | $13 | — | $13 | 0.05% |
| SHERRI L KALB3 | 27 SOUTH 14TH STREET KEOKUK, IA 52632 | AFLAC | $11 | — | $11 | 0.04% |
| ADAM THOMAS GARDNER3 | 101 NORTH FARWELL STREET SUITE 203 EAU CLAIRE, WI 54703 | AFLAC | $10 | — | $10 | 0.04% |
| MICHAEL D MOORE3 | 18705 EAST 20TH STREET BLANDINSVILLE, IL 61420 | AFLAC | $10 | — | $10 | 0.04% |
| JANE W BARNHILL3 | 6636 NC HIGHWAY 43 SOUTH GREENVILLE, NC 27858 | AFLAC | $9 | — | $9 | 0.03% |
| NANCY A BALLINGER3 | PO BOX 1252 KEOKUK, IA 52632 | AFLAC | $8 | — | $8 | 0.03% |
| DONNA R WATSON3 Filed as: DONNA FREESE | 1122 WEST 59TH STREET DAVENPORT, IA 52806 | AFLAC | $7 | — | $7 | 0.03% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS INSURANCE INC | 465 NORTHLAND AVENUE SUITE 201 CEDAR RAPIDS, IA 52402 | AFLAC | $7 | — | $7 | 0.03% |
| JASON SCZEPANIAK3 | 4001 FELLAND ROAD SUITE 106 MADISON, WI 53718 | AFLAC | $7 | — | $7 | 0.03% |
| DAVID HARDY3 | 919 SOUTH LEEBRICK STREET BURLINGTON, IA 52601 | AFLAC | $6 | — | $6 | 0.02% |
| BRANDON D FERDIG3 | 322 CLIFTON AVENUE APARTMENT 104 MINNEAPOLIS, MN 55403 | AFLAC | $6 | — | $6 | 0.02% |
| MATTHEW R LORENZ3 | 1021 PROSPECT POINTE ROAD JORDAN, MN 55352 | AFLAC | $5 | — | $5 | 0.02% |
| CHRISTOPHER J BAYER3 | 127 NORTH CHERRY STREET GALESBURG, IL 61401 | AFLAC | $5 | — | $5 | 0.02% |
| STEVEN T SPEICHINGER3 | 210 KENT STREET WAUSAU, WI 54403 | AFLAC | $4 | — | $4 | 0.01% |
| JOSHUA J PARISE3 | 7325 JANES AVENUE WOODRIDGE, IL 60517 | AFLAC | $3 | — | $3 | 0.01% |
| TERRY J SILVERS3 | 100 GREENLEAF DRIVE FLAT ROCK, NC 28731 | AFLAC | $3 | — | $3 | 0.01% |
| PEGGY SUE LAZER3 | 7914 113TH AVENUE NORTH CHAMPLIN, MN 55316 | AFLAC | $2 | — | $2 | 0.01% |
| BRADLEY K HARRISON3 | 3432 WEST TRUMAN BOULEVARD JEFFERSON CITY, MO 65109 | AFLAC | $2 | — | $2 | 0.01% |
| THE TODD GROUP3 | 808 EAST 18TH STREET CEDAR FALLS, IA 50613 | AFLAC | $1 | — | $1 | 0.00% |
| DARIN D PAVLISH3 | 7760 FRANCE AVENUE SOUTH 1162 EDINA, MN 55435 | AFLAC | $1 | — | $1 | 0.00% |
| KIMBERLY A BENESH3 | PO BOX 337 ALBURNETT, IA 52202 | AFLAC | $0 | — | $0 | 0.00% |
| BENEFIT STAFF LLC3 | 2550 MIDDLE ROAD SUITE 300 BETTENDORF, IA 52722 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 15.00% |
| DONNA R WATSON3 Filed as: DONNA FREESE | 1122 WEST 59TH STREET DAVENPORT, IA 52806 | AFLAC | $730 | — | $730 | 4.29% |
| BRITNEY J GOODDING3 | 876 TANGLEFOOT LANE BETTENDORF, IA 52722 | AFLAC | $303 | — | $303 | 1.78% |
| DONNA R WATSON3 | 876 TANGLEFOOT LANE BETTENDORF, IA 52722 | AFLAC | $197 | — | $197 | 1.16% |
| DONITA AWALT3 Filed as: DONITA P AWALT | 500 WILLOW AVENUE SUITE 502 COUNCIL BLUFFS, IA 51503 | AFLAC | $133 | — | $133 | 0.78% |
| RYAN R KRUEGER3 | 2293 MYSTIC MEADOW DRIVE KRONENWETTER, WI 54455 | AFLAC | $80 | — | $80 | 0.47% |
| MONICA WHITE3 | 28876 DELTA AVENUE TREYNOR, IA 51575 | AFLAC | $63 | — | $63 | 0.37% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DRIVE SUITE 102 URBANDALE, IA 51401 | AFLAC | $50 | — | $50 | 0.29% |
| JANE POTTEBAUM3 | 19258 HAWTHORNE AVENUE CARROLL, IA 51401 | AFLAC | $41 | — | $41 | 0.24% |
| MARK FRIEHE3 Filed as: MARK E FRIEHE | 4611 OUTH 96TH STREET SUITE 101 OMAHA, NE 68127 | AFLAC | $33 | — | $33 | 0.19% |
| BERN MCGRANE3 | 24593 BELMAR DRIVE ELKHART, IN 46517 | AFLAC | $31 | — | $31 | 0.18% |
| JEANNE T SCHWAB3 | 2655 MIDDLE ROAD DAVENPORT, IA 52803 | AFLAC | $28 | — | $28 | 0.16% |
| STEVEN T SPEICHINGER3 | 210 KENT STREET WAUSAU, WI 54403 | AFLAC | $26 | — | $26 | 0.15% |
| ALISON M MORROW3 | 311 FINANCIAL WAY SUITE 220 WAUSAU, WI 54401 | AFLAC | $20 | — | $20 | 0.12% |
| DAVID R KREMER3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | AFLAC | $12 | — | $12 | 0.07% |
| JANE W BARNHILL3 | 6636 NC HIGHWAY 43 SOUTH GREENVILLE, NC 27858 | AFLAC | $11 | — | $11 | 0.06% |
| MARY M GRUNDMEIER3 | 1825 NORTH CARROLL STREET CARROLL, IA 51401 | AFLAC | $8 | — | $8 | 0.05% |
| GINA WIEGAND3 | 5904 NORTHWEST 95TH COURT JOHNSTON, IA 50131 | AFLAC | $6 | — | $6 | 0.04% |
| JASON SCZEPANIAK3 | 4001 FELLAND ROAD SUITE 106 MADISON, WI 53718 | AFLAC | $5 | — | $5 | 0.03% |
| AUDRA M ROCKWELL3 | 9005 BRIDGEWOOD BOULEVARD UNIT 5215 WEST DES MOINES, IA 50131 | AFLAC | $3 | — | $3 | 0.02% |
| KRINGS ENTERPRISES INC3 | 5530 WEST PARKWAY SUITE 500 JOHNSTON, IA 50131 | AFLAC | $2 | — | $2 | 0.01% |
| NAVILLE & ASSOCIATES3 Filed as: NAVILLE & ASOCIATES | 14220 OVERBROOK DRIVE CARMEL, IN 46074 | AFLAC | $2 | — | $2 | 0.01% |
| KRINGS ENTERPRISES INC3 | 2570 106TH STREET SUITE A URBANDALE, IA 50322 | AFLAC | $1 | — | $1 | 0.01% |
| DONNA R WATSON3 Filed as: DONNA FREESE | 1122 WEST 59TH STREET DAVENPORT, IA 52806 | AFLAC | $1 | — | $1 | 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 | 718 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 721 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 335 | $32K |
| Life insurance | LIFE INSURANCE COMPNAY OF NORTH AMERICA | 711 | $101K |
| Short-term disability | AFLAC | 43 | $28K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 158 | $26K |
| Stop-loss / reinsurancereinsurance | WELLMARK BLUECROSS AND BLUESHIELD OF IOWA | 271 | $2.9M |
| Other(5 contracts, 4 carriers) | FIDELITY SECURITY LIFE | 711 | $280K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 711 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.