| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BERNIE LOWE & ASSOCIATES INC3 Filed as: BERNIE LOWE & ASSOCIATES, INC. | 1555 SE DELAWARE AVE STE A ANKENY, IA 50021 | HARTFORD LIFE AND ACCIDENT | $2K | $0 | $2K | 9.29% |
| LOREN MEYER3 | 2604 W EUCLID AVE INDIANOLA, IA 50125 | AFLAC | $3K | $82 | $3K | 15.01% |
| BLAC INC3 | 1555 SE DELAWARE AVE STE A ANKENY, IA 50021 | AFLAC | $1K | $0 | $1K | 6.13% |
| KRINGS ENERPRISES INC3 | 5530 WEST PRKWY STE 500 JOHNSTON, IA 50131 | AFLAC | $838 | $0 | $838 | 4.59% |
| BRAD P LUFKIN3 Filed as: BRAD LUFKIN | 5530 WEST PRKWY STE 500 JOHNSTON, IA 50131 | AFLAC | $547 | $12 | $559 | 3.06% |
| JOSEPH P CALARCO3 Filed as: JOSEPH EVANS | 4721 BROOKVIEW DR WEST DES MOINES, IA 50265 | AFLAC | $131 | $0 | $131 | 0.72% |
| SCOTT R FRITCHER3 Filed as: SCOTT FRITCHER | 9655 NW 74TH PL GRIMES, IA 50111 | AFLAC | $66 | $0 | $66 | 0.36% |
| JEFFREY BARNHILL3 | 6636 NC HIGHWAY 43 S GREENVILLE, NC 27858 | AFLAC | $57 | $0 | $57 | 0.31% |
| MATTHEW D BUTLER3 Filed as: MATTHEW BUTLER | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $32 | $0 | $32 | 0.18% |
| JANE W BARNHILL3 Filed as: JANE BARNHILL | 6636 NC HIGHWAY 43 S GREENVILLE, NC 27858 | AFLAC | $29 | $0 | $29 | 0.16% |
| RICHARD A CLEASBY3 Filed as: RICHARD CLEASBY | 385 FREESEWAY DR ROBINS, IA 52328 | AFLAC | $14 | $0 | $14 | 0.08% |
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 | 255 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 135 | $23K |
| Other | AFLAC | 22 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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.