| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BERNIE LOWE & ASSOCIATES INC3 | 615 HORSESHOE DR STE G GRINNELL, IA 50112 | THE HARTFORD | $14K | $0 | $14K | 5.90% |
| BRAD P LUFKIN3 | 5530 WEST PKWY STE 500 JOHNSTON, IA 50131 | AFLAC | $162 | $27 | $189 | 0.91% |
| JOSEPH P CALARCO3 Filed as: JOSEPH EVANS | 4721 BROOKVIEW DR WEST DES MOINES, IA 50265 | AFLAC | $126 | $0 | $126 | 0.61% |
| SCOTT R FRITCHER3 Filed as: SCOTT FRITCHER | 3511 131ST ST URBANDALE, IA 50323 | AFLAC | $66 | $0 | $66 | 0.32% |
| PAUL R SUCHOMEL3 Filed as: PAUL SUCHOMEL | 302 4TH ST PO BOX 356 VAN HORNE, IA 52346 | AFLAC | $39 | $0 | $39 | 0.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: MORGAN GALLAGHER | 1440 SE BISHOP DR APT 121 WAUKEE, IA 50263 | AFLAC | $29 | $0 | $29 | 0.14% |
| LOREN MEYER3 | 2604 WEST EUCLID AVE INDIANOLA, IA 50125 | AFLAC | $23 | $0 | $23 | 0.11% |
| MATTHEW D BUTLER3 Filed as: MATTHEW BUTLER | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $21 | $0 | $21 | 0.10% |
| TERRELL AND COMPANY INC3 | 5530 WEST PKWY STE 100 JOHNSTON, IA 50131 | AFLAC | $16 | $0 | $16 | 0.08% |
| RICHARD A CLEASBY3 Filed as: RICHARD CLEASBY | 385 FREESEWAY DR ROBINS, IA 52328 | AFLAC | $16 | $0 | $16 | 0.08% |
| DONALD BYCROFT3 | 3500 KEYMEER DR APT 1 DUBUQUE, IA 52002 | AFLAC | $11 | $0 | $11 | 0.05% |
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 | 303 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 303 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE HARTFORD | 303 | $230K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 303 | — |
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.