| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BERNIE LOWE & ASSOCIATES INC3 Filed as: BERNIE LOWE & ASSOCIATES, INC | 1555 SE DELAWARE AVENUE STE A ANKENY, IA 500214011 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | $0 | $6K | 0.08% |
| BERNIE LOWE & ASSOCIATES INC3 | 1555 SE DELAWARE AVENUE STE A ANKENY, IA 500214011 | SUN LIFE ASSURANCE OF CANADA | $564K | $0 | $564K | 800.01% |
| BERNIE LOWE & ASSOCIATES INC3 | 1555 SE DELAWARE AVENUE STE A ANKENY, IA 50021 | HARTFORD LIFE AND ACCIDENT | $2K | $0 | $2K | 10.35% |
| HOME OFFICE TPA PAYS COMMISSION3 Filed as: HOME OFFICE DIRECT | 200HOPMEADOW ST WEATOGUE, CT 06089 | HARTFORD LIFE AND ACCIDENT | $0 | $0 | $0 | 0.00% |
| LOREN MEYER3 | 2604 WEST EUCLID AVENUE INDIANOLA, IA 50125 | AFLAC | $2K | $64 | $2K | 10.36% |
| BLAC INC3 | 1555 SE DELAWARE AVE STE A ANKENY, IA 50021 | AFLAC | $639 | $0 | $639 | 3.59% |
| BRAD P LUFKIN3 Filed as: BRAD LUFKIN | 5530 WEST PRKWY STE 500 JOHNSTON, IA 50131 | AFLAC | $217 | $10 | $227 | 1.28% |
| JOSEPH P CALARCO3 Filed as: JOSEPH EVANS | 4721 BROOKVIEW DR WEST DES MOINES, IA 50265 | AFLAC | $224 | $0 | $224 | 1.26% |
| KRINGS ENTERPRISES INC3 Filed as: S KRINGS ENTERPRISES INC | 1408 PRAIRIE RIDGE DRIVE POLK CITY, IA 50226 | AFLAC | $160 | $0 | $160 | 0.90% |
| SCOTT R FRITCHER3 | 9655 NW 74TH PLACE GRIMES, IA 50111 | AFLAC | $112 | $0 | $112 | 0.63% |
| JEFFREY BARNHILL3 | 6636 NC HIGHWAY 43 S GREENVILLE, NC 27858 | AFLAC | $92 | $0 | $92 | 0.52% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DRIVE STE 102 KNOXVILLE, TN 37922 | AFLAC | $65 | $0 | $65 | 0.37% |
| JANE W BARNHILL3 | 6636 NC HIGHWAY 43 S GREENVILLE, NC 27858 | AFLAC | $46 | $0 | $46 | 0.26% |
| RICHARD A CLEASBY3 | 385 FREESEWAY DRIVE ROBINS, IA 52328 | AFLAC | $30 | $0 | $30 | 0.17% |
| KACY A GRUENKEMEYER3 | 11116 AURORA AVENUE URBANDALE, IA 50322 | AFLAC | $8 | $10 | $18 | 0.10% |
| DONALD L BYCROFT3 | 3500 KEYMEER DRIVE APT 1 DUBUQUE, IA 52002 | AFLAC | $18 | $0 | $18 | 0.10% |
| DONNA R WATSON3 | 876 TANGLEFOOT LANE BETTENDORF, IA 52722 | AFLAC | $10 | $0 | $10 | 0.06% |
| MITCHELL J MCCALL3 | 1620 WILLINGTON APT 1101 BEAUMONT, TX 77706 | AFLAC | $6 | $0 | $6 | 0.03% |
| BERNIE LOWE & ASSOCIATES INC3 Filed as: BERNIE LOWE & ASSOCIATES, INC. | 1555 SE DELAWARE AVENUE STE A ANKENY, IA 500214011 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | $0 | $1K | 7.00% |
| MEDICAL GROUP INSURANCE SERVICES5 Filed as: MEDICAL GROUP INSURANCE SERVICES, I | 1849 WEST NORTH TEMPLE SALT LAKE, UT 84116 | MEDICAL GROUP INSURANCE SERVICES INC | $0 | $180 | $180 | — |
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 | 219 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 219 | $40K |
| Short-term disability | SUN LIFE ASSURANCE OF CANADA | 219 | $70K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 68 | $6.9M |
| Other(2 contracts, 2 carriers) | AFLAC | 219 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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.
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.