| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOREN E MEYER3 | 2604 W EUCLID AVE INDIANOLA, IA 50125 | AFLAC | $2K | $110 | $2K | 9.07% |
| BERNIE LOWE & ASSOCIATES INC3 | 615 HORSESHOE DR STE G GRINNELL, IA 50112 | AFLAC | $885 | — | $885 | 3.68% |
| KRINGS ENTERPRISES INC3 | 1330 PRAIRIE RIDGE DR POLK CITY, IA 50226 | AFLAC | $523 | — | $523 | 2.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: MORGAN GALLAGHER | 1440 SE BISHOP DR APT 121 WAUKEE, IA 50263 | AFLAC | $305 | $5 | $310 | 1.29% |
| TERRELL & COMPANY INC3 | 5530 WEST PKWY STE 100 JOHNSTON, IA 50131 | AFLAC | $158 | — | $158 | 0.66% |
| BRAD P LUFKIN3 | 5530 WEST PKWY STE 500 JOHNSTON, IA 50131 | AFLAC | $154 | — | $154 | 0.64% |
| JOSEPH P CALARCO3 Filed as: JOSEPH EVANS | 764 8TH ST WEST DES MOINES, IA 50266 | AFLAC | $126 | — | $126 | 0.52% |
| TERRELL & COMPANY INC3 | 4401 WESTOWN PKWY STE 350 WEST DES MOINES, IA 50266 | AFLAC | $74 | $5 | $79 | 0.33% |
| SCOTT R FRITCHER3 | 3511 131ST ST URBANDALE, IA 50323 | AFLAC | $65 | — | $65 | 0.27% |
| KACY A GRUENKEMEYER3 | 543 ALSTON DR CHATTANOOGA, TN 37419 | AFLAC | $45 | $17 | $62 | 0.26% |
| HOWARD EATON3 | 3141 PRAIRIE ROSE DR NORWALK, IA 50211 | AFLAC | $55 | — | $55 | 0.23% |
| PAUL R SUCHOMEL3 | 302 4TH ST PO BOX 356 VAN HORNE, IA 52346 | AFLAC | $39 | — | $39 | 0.16% |
| PAUL R SUCHOMEL3 | 302 4TH ST PO BOX 356 VAN HORNE, IA 52346 | AFLAC | $28 | — | $28 | 0.12% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $18 | — | $18 | 0.07% |
| RICHARD A CLEASBY3 | 385 FREESEWAY DR ROBINS, IA 52328 | AFLAC | $16 | — | $16 | 0.07% |
| CONSUMER SYSTEMS INC3 | 276 PEACE AVE NW CEDAR RAPIDS, IA 52405 | AFLAC | $15 | — | $15 | 0.06% |
| DONALD L BYCROFT3 | 3500 KEYMEER DR APT 1 DUBUQUE, IA 52002 | AFLAC | $11 | — | $11 | 0.05% |
| BERNIE LOWE & ASSOCIATES INC3 Filed as: BERNIE LOWE & ASSOCIATES | 615 HORSESHOE DR STE G GRINNELL, IA 50112 | THE HARTFORD | $4 | — | $4 | 5.88% |
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 | 308 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 308 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE HARTFORD | 303 | $68 |
| 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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.