| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUENORTH COMPANIES LC3 | PO BOX 1863 CEDAR RAPIDS, IA 52406 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| PAUL R SUCHOMEL3 Filed as: PAUL SUCHOMEL | PO BOX 356 302 4TH ST VAN HORNE, IA 52346 | AFLAC | $66 | — | $66 | 0.48% |
| MARY-JOYCE LICATA3 Filed as: MARY BISHOP | 5100 SE 30TH ST DES MOINES, IA 50320 | AFLAC | $49 | — | $49 | 0.36% |
| NORTH RISK PARTNERS LLC3 | 715 SE SOUTHFORK DR WAUKEE, IA 50263 | AFLAC | $48 | — | $48 | 0.35% |
| SCOTT R FRITCHER3 Filed as: SCOTT FRITCHER | 212 NW SUNSET LN GRIMES, IA 50111 | AFLAC | $39 | — | $39 | 0.28% |
| PHYLLIS D KIMBALL3 Filed as: PHYLLIS D KIMBAL | 1103 ORCHARD DR CRESTON, IA 50801 | AFLAC | $37 | — | $37 | 0.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: MORGAN GALLAGHER | 1440 SE BISHOP DR APT #121 WAUKEE, IA 50263 | AFLAC | $32 | — | $32 | 0.23% |
| TRENON RAY SMITH3 | 409 N 4TH ST STE 201 BURLINGTON, IA 52601 | AFLAC | $22 | — | $22 | 0.16% |
| KACY A GRUENKEMEYER3 | 558 CLINGMANS LN CHATTANOOGA, TN 37419 | AFLAC | $20 | — | $20 | 0.15% |
| JOSHUA D TERRELL3 | 812 VENTETIAN ISLES DR APT 1 LAKE PARK, FL 33403 | AFLAC | $18 | — | $18 | 0.13% |
| RICHARD A CLEASBY3 | 2902 SAVANNAH DR HIAWATHA, IA 52233 | AFLAC | $16 | — | $16 | 0.12% |
| CONSUMER SYSTEMS INC3 | 276 PEACE AVE NW CEDAR RAPIDS, IA 52405 | AFLAC | $15 | — | $15 | 0.11% |
| DONALD BYCROFT3 | 204 SADDLE HORSE LN MURFEESBORO, TN 37129 | AFLAC | $11 | — | $11 | 0.08% |
| MATHEW BUTLER3 Filed as: MATHEW D BUTLER | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $11 | — | $11 | 0.08% |
| GINA WIEGAND3 Filed as: GINA WIEGAND INC | 20379 TWIN PINES DR EARLHAM, IA 50072 | AFLAC | $10 | — | $10 | 0.07% |
| BENEFIT ADVOCATES3 | 2555 SE BLUESTEM DR WAUKEE, IA 50263 | AFLAC | $9 | — | $9 | 0.07% |
| THE TODD GROUP3 | 4409 BLAIR RIDGE RD CEDAR FALLS, IA 50613 | AFLAC | $8 | — | $8 | 0.06% |
| DONNAR WATSON3 | 329 LA JOYA PASS LEANDER, TX 78641 | AFLAC | $7 | — | $7 | 0.05% |
| GINA WIEGAND3 | 20379 TWIN PINE DR EARLHAM, IA 50072 | AFLAC | $5 | — | $5 | 0.04% |
| WILLIAM CLAY ARNOLD3 | 102 HOLLY CT NATCHEZ, MS 39120 | AFLAC | $3 | — | $3 | 0.02% |
| HEATHER D SWANSON3 | 115 SE BAYTREE DR WAUKEE, IA 50263 | AFLAC | $3 | — | $3 | 0.02% |
| BERNARD J BRAZEAU3 | 6705 GRIMES ST INDIANOLA, IA 50125 | AFLAC | $3 | — | $3 | 0.02% |
| MONICA M ARENDS3 | 1912 XIRCUS AVE WILLIAMS, IA 50271 | AFLAC | $3 | — | $3 | 0.02% |
| HOWARD EATON3 | 3141 PRAIRIE ROSE DR NORWALK, IA 50211 | AFLAC | $3 | — | $3 | 0.02% |
| AUSTIN J PETERSON3 | 11116 AURORA AVE URBANDALE, IA 50322 | AFLAC | $2 | — | $2 | 0.01% |
| MITCHELL J MCCALL3 | 3 STONERIDGE DR KEOKUK, IA 52632 | AFLAC | $2 | — | $2 | 0.01% |
| JAMES L HAYES3 | 1547 CEDART SPRINGS CT NORTH LIBERTY, IA 52317 | AFLAC | $1 | — | $1 | 0.01% |
| RICHARD R KIMBROUGH3 | 9505 CHAD COLLEY BLVD UNIT 3804 FORT SMITH, AR 72916 | AFLAC | $1 | — | $1 | 0.01% |
| TRUENORTH COMPANIES LC3 | PO BOX 1863 CEDAR RAPIDS, IA 52406 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $716 | — | $716 | 15.01% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 12 | $14K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 304 | $18K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 304 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 304 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.