| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOREN E MEYER3 | 2604 W EUCLID AVE INDIANOLA, IA 50125 | AFLAC | $1K | $183 | $2K | 6.52% |
| BERNIE LOWE & ASSOCIATES INC3 | 615 HORSESHOE DR STE G GRINNELL, IA 50112 | AFLAC | $588 | — | $588 | 2.44% |
| KRINGS ENTERPRISES INC3 | 1330 PRAIRIE RIDGE DR POLK CITY, IA 50226 | AFLAC | $433 | — | $433 | 1.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: MORGAN GALLAGHER | 1440 SE BISHOP DR APT 121 WAUKEE, IA 50263 | AFLAC | $188 | $37 | $225 | 0.93% |
| BRAD P LUFKIN3 | 5530 WEST PKWY STE 500 JOHNSTON, IA 50131 | AFLAC | $152 | — | $152 | 0.63% |
| HOWARD EATON3 | 3141 PRAIRIE ROSE DR NORWALK, IA 50211 | AFLAC | $129 | $13 | $142 | 0.59% |
| JOSEPH EVAN3 | 13848 ROSEWOOD DR CLIVE, IA 50325 | AFLAC | $126 | — | $126 | 0.52% |
| PAUL R SUCHOMEL3 | 302 4TH ST PO BOX 356 VAN HORNE, IA 52346 | AFLAC | $66 | — | $66 | 0.27% |
| SCOTT R FRITCHER3 | 3511 131ST ST URBANDALE, IA 50323 | AFLAC | $65 | — | $65 | 0.27% |
| TERRELL & COMPANY INC3 Filed as: TERRELL & COMPANY LLC | 4401 WESTOWN PWKY STE 350 WEST DES MOINES, IA 50266 | AFLAC | $30 | $24 | $54 | 0.22% |
| KACY A GRUENKEMEYER3 | 543 ALSTON DR CHATTANOOGA, TN 37419 | AFLAC | $41 | — | $41 | 0.17% |
| 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% |
| THE TODD GROUP3 | 4409 BLAIR RIDGE RD CEDAR FALLS, IA 50613 | AFLAC | $8 | — | $8 | 0.03% |
| DONNA R WATSON3 | 1225 E RIVER DR STE 315 DAVENPORT, IA 52803 | AFLAC | $7 | — | $7 | 0.03% |
| HEATHER D SWANSON3 | 4517 49TH PL DES MOINES, IA 50310 | AFLAC | $5 | — | $5 | 0.02% |
| MITCHELL J MCCALL3 | 3 STONERIDGE DR KEOKUK, IA 52632 | AFLAC | $4 | — | $4 | 0.02% |
| BERNARD J BRAZEAU3 | 6705 GRIMES ST INDIANOLA, IA 50125 | AFLAC | $3 | — | $3 | 0.01% |
| WILLIAM CLAY ARNOLD3 | 102 HOLLY CT NATCHES, MS 39120 | AFLAC | $3 | — | $3 | 0.01% |
| RICHARD R KIMBROUGH3 | 6380 N PARK MEADOW WAY APT 203 BOISE, ID 83713 | AFLAC | $2 | — | $2 | 0.01% |
| AUSTIN J PETERSON3 | 11116 AURORA AVE URBANDALE, IA 50322 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES L HAYES | 1547 CEDAR SPRINGS CT NORTH LIBERTY, IA 52317 | AFLAC | $1 | — | $1 | 0.00% |
| JACQUELYN KIMBROUGH3 | 1680 BURR OAKS DR WEST DES MOINES, IA 50266 | AFLAC | $0 | $0 | $0 | 0.00% |
| RONALD L HOVICK | 2214 S 43RD TER CAPE CORAL, FL 33914 | AFLAC | $0 | — | $0 | 0.00% |
| STACEY LYN CASTELLANETA Filed as: STACEY SCHROCK | 3616 UNIVERSITY AVE APT 4 DES MOINES, IA 50311 | AFLAC | $0 | — | $0 | 0.00% |
| BERNIE LOWE & ASSOCIATES INC3 Filed as: BERNIE LOWE & ASSOC INC | 615 HORSESHOE DR STE G GRINNELL, IA 50112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
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 | 306 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 306 | $14K |
| Other(2 contracts, 2 carriers) | AFLAC | 306 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
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.