| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BERNIE LOWE & ASSOCIATES INC3 Filed as: BERNIE LOWE & ASSOCIATES, INC. | 615 HORSESHOE DR STE G GRINNELL, IA 50112 | HARTFORD LIFE AND ACCIDENT | $10K | $0 | $10K | 5.86% |
| LOREN MEYER3 | 2604 W EUCLID AVE INDIANOLA, IA 50125 | AFLAC | $2K | $233 | $2K | 8.87% |
| BLAC INC3 | 1555 SE DELAWARE AVE STE A ANKENY, IA 50021 | AFLAC | $820 | $0 | $820 | 3.97% |
| KRINGS ENTERPRISES INC3 | 5530 WEST PKWY STE 100 JOHNSTON, IA 50131 | AFLAC | $708 | $47 | $755 | 3.65% |
| BRAD P LUFKIN3 Filed as: BRAD LUFKIN | 5530 WEST PKWY STE 100 JOHNSTON, IA 50131 | AFLAC | $440 | $47 | $487 | 2.36% |
| LOREN MEYER3 | 2604 WEST EUCLID AVE INDIANOLA, IA 50125 | AFLAC | $339 | — | $339 | 1.64% |
| JOSEPH P CALARCO3 Filed as: JOSEPH EVANS | 4721 BROOKVIEW DR WEST DES MOINES, IA 50265 | AFLAC | $144 | — | $144 | 0.70% |
| SCOTT R FRITCHER3 Filed as: SCOTT FRITCHER | 3511 131ST URBANDALE, IA 50323 | AFLAC | $77 | — | $77 | 0.37% |
| JEFFREY BARNHILL3 | 6636 NC HIGHWAY 43 S GREENVILLE, NC 27858 | AFLAC | $39 | — | $39 | 0.19% |
| MATTHEW D BUTLER3 Filed as: MATTHEW BUTLER | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $25 | — | $25 | 0.12% |
| JANE W BARNHILL3 Filed as: JANE BARNHILL | 6636 NC HIGHWAY 43 S GREENVILLE, NC 27858 | AFLAC | $20 | — | $20 | 0.10% |
| RICHARD A CLEASBY3 Filed as: RICHARD CLEASBY | 385 FREESEWAY DR ROBINS, IA 52328 | AFLAC | $18 | — | $18 | 0.09% |
| DONALD BYCROFT3 | 3500 KEYMEER DR APT 1 DUBUQUE, IA 52002 | AFLAC | $12 | — | $12 | 0.06% |
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 | 269 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 269 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.