| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TARA STUDER & ASSOCIATES3 | 115 N. JEFFERSON AVE. MASON CITY, IA 50401 | AFLAC | $9K | $26 | $9K | 19.08% |
| THE TODD GROUP3 | 602 MAIN ST, STE 200 CEDAR FALLS, IA 50613 | AFLAC | $1K | $5 | $1K | 2.69% |
| R DOUGLAS MCWILLIAMS3 | 11116 AURORA AVE URBANDALE, IA 50322 | AFLAC | $650 | — | $650 | 1.34% |
| WESLEY J TODD3 | 602 MAIN ST, STE 200 CEDAR FALLS, IA 50613 | AFLAC | $254 | — | $254 | 0.52% |
| STEVEN G JOHNSON3 | 35989 HIGHWAY 69, STE C FOREST CITY, IA 50436 | AFLAC | $218 | — | $218 | 0.45% |
| TERRELL & COMPANY INC3 | 5530 WEST PKWY, STE 100 JOHNSTON, IA 50131 | AFLAC | $170 | — | $170 | 0.35% |
| TARA K3 | 11116 AURORA AVE URBANDALE, IA 50322 | AFLAC | $28 | — | $28 | 0.06% |
| LA MAIR MULOCK CONDON CO.3 Filed as: LA MAIR MULOCK CONDON CO | 4200 UNIVERSITY AVE, STE 200 WEST DES MOINES, IA 502665945 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 8.64% |
| LA MAIR MULOCK CONDON CO.3 Filed as: LA MAIR MULOCK CONDON CO | 4200 UNIVERSITY AVE, STE 200 WEST DES MOINES, IA 502665945 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| LA MAIR MULOCK CONDON CO.3 Filed as: LA MAIR MULOCK CONDON CO | 4200 UNIVERSITY AVE, STE 200 WEST DES MOINES, IA 502665945 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 13.33% |
| SELECT NETWORKS3 | 317 6TH AVENUE DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 10.92% |
| LAMAIR MULOCK CONDON CO3 Filed as: LAMAIR-MULOCK-CONDON CO | 4200 UNIVERSITY AVENUE, STE 200 WEST DES MOINES, IA 50266 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 10.08% |
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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WELLMARK, INC. | 117 | $1.9M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 129 | $13K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 132 | $66K |
| Short-term disability(3 contracts, 2 carriers) | AFLAC | 132 | $115K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 116 | $22K |
| Prescription drug | WELLMARK, INC. | 117 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.