| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOREN E MEYER3 | 2604 W EUCLID AVE INDIANOLA, IA 50125 | AFLAC | $959 | — | $959 | 5.28% |
| BERNIE LOWE & ASSOCIATES INC3 | 615 HORSESHOE DR STE G GRINNELL, IA 50112 | AFLAC | $379 | — | $379 | 2.09% |
| TRENTON GOSNELL3 Filed as: TRENTON MICHAEL GOSNELL | 1115 SE OLSON DR WAUKEE, IA 50263 | AFLAC | $262 | — | $262 | 1.44% |
| KRINGS ENTERPRISES INC3 | 1330 PRAIRIE RIDGE DR POLK CITY, IA 50226 | AFLAC | $236 | — | $236 | 1.30% |
| HOWARD EATON3 | 3141 PRAIRIE ROSE DR NORWALK, IA 50211 | AFLAC | $123 | — | $123 | 0.68% |
| BRAD P LUFKIN3 Filed as: BRAD LUFKIN | 5530 WEST PKWY STE 500 JOHNSTON, IA 50131 | AFLAC | $104 | — | $104 | 0.57% |
| JOSEPH P CALARCO3 Filed as: JOSEPH EVANS | 13848 ROSEWOOD DR CLIVE, IA 50325 | AFLAC | $93 | — | $93 | 0.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: MORGAN GALLAGHER | 1440 SE BISHOP DR APT 121 WAUKEE, IA 50263 | AFLAC | $55 | — | $55 | 0.30% |
| PAUL R SUCHOMEL3 Filed as: PAUL SUCHOMEL | 302 4TH ST PO BOX 356 VAN HORNE, IA 52346 | AFLAC | $55 | — | $55 | 0.30% |
| SCOTT R FRITCHER3 Filed as: SCOTT FRITCHER | 3511 131ST ST URBANDALE, IA 50323 | AFLAC | $48 | — | $48 | 0.26% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS | 615 HORSESHOE DR STE G GRINNELL, IA 50112 | AFLAC | $42 | — | $42 | 0.23% |
| MARY-JOYCE LICATA3 Filed as: MARY BISHOP | 5100 SE 30TH ST DES MOINES, IA 50320 | AFLAC | $38 | — | $38 | 0.21% |
| KACY A GRUENKEMEYER3 Filed as: KACY GRUENKEMEYER | 558 CLINGMANS LN CHATTANOOGA, TN 37419 | AFLAC | $27 | — | $27 | 0.15% |
| TERRELL & COMPANY INC3 | 4401 WESTOWN PKWY STE 350 WEST DES MOINES, IA 50266 | AFLAC | $19 | — | $19 | 0.10% |
| MATTHEW D BUTLER3 Filed as: MATTHEW BUTLER | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $13 | — | $13 | 0.07% |
| RICHARD A CLEASBY3 Filed as: RICHARD CLEASBY | 385 FREESEWAY DR ROBINS, IA 52328 | AFLAC | $13 | — | $13 | 0.07% |
| CONSUMER SYSTEMS INC3 | 276 PEACE AVE NW CEDAR RAPIDS, IA 52405 | AFLAC | $12 | — | $12 | 0.07% |
| DONALD BYCROFT3 | 28W340 FLANDERS LN WINFIELD, IL 60190 | AFLAC | $9 | — | $9 | 0.05% |
| GINA WIEGAND3 | 20379 TWIN PINES DR EARLHAM, IA 50072 | AFLAC | $8 | — | $8 | 0.04% |
| THE TODD GROUP3 | 4409 BLAIR RIDGE RD CEDAR FALLS, IA 50613 | AFLAC | $6 | — | $6 | 0.03% |
| DONNA R WATSON3 Filed as: DONNA WATSON | 329 LA JOYA PASS LEANDER, TX 78641 | AFLAC | $5 | — | $5 | 0.03% |
| HEATHER D SWANSON3 Filed as: HEATHER SWANSON | 115 SE BAYTREE DR WAUKEE, IA 50263 | AFLAC | $3 | — | $3 | 0.02% |
| MITCHELL J MCCALL3 Filed as: MITCHELL MCCALL | 3 STONERIDGE DR KEOKUK, IA 52632 | AFLAC | $3 | — | $3 | 0.02% |
| BERNARD BRAZEAU3 | 6705 GRIMES ST INDIANOLA, IA 50125 | AFLAC | $2 | — | $2 | 0.01% |
| WILLIAM CLAY ARNOLD3 Filed as: WILLIAM ARNOLD | 102 HOLLY CT NATCHEZ, MS 39120 | AFLAC | $2 | — | $2 | 0.01% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA TERRELL | 812 VENETIAN ISLES DR APT 1 LAKE PARK, FL 33403 | AFLAC | $1 | — | $1 | 0.01% |
| RICHARD R KIMBROUGH3 Filed as: RICHARD KIMBROUGH | 6380 N PARK MEADOW WAY APT 203 BOISE, ID 83713 | AFLAC | $1 | — | $1 | 0.01% |
| NORTH RISK PARTNERS LLC3 | 615 HORSESHOE DR STE G GRINNELL, IA 50112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| NORTH RISK PARTNERS LLC3 | 2010 CENTRE POINTE BLVD SAINT PAUL, MN 55120 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $242 | $242 | 1.47% |
| EMERSON REID LLC3 | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $34 | $34 | 0.21% |
| NORTH RISK PARTNERS LLC3 | 615 HORSESHOE DR STE G GRINNELL, IA 50112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $602 | — | $602 | 14.98% |
| NORTH RISK PARTNERS LLC3 | 2010 CENTRE POINTE BLVD SAINT PAUL, MN 55120 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $72 | $72 | 1.79% |
| EMERSON REID LLC3 | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $8 | $8 | 0.20% |
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 | 297 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 297 | $16K |
| Other(3 contracts, 2 carriers) | AFLAC | 297 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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.