| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TARA STUDER & ASSOCIATES3 | 115 N. JEFFERSON AVE. MASON CITY, IA 50401 | AFLAC | $4K | $299 | $4K | 9.38% |
| STEVEN G JOHNSON3 | 35989 HIGHWAY 69, STE C FOREST CITY, IA 50436 | AFLAC | $640 | $63 | $703 | 1.72% |
| TERRELL & COMPANY INC3 | 5530 WEST PKWY, STE 100 JOHNSTON, IA 50131 | AFLAC | $360 | $60 | $420 | 1.03% |
| THE TODD GROUP3 | 602 MAIN ST, STE 200 CEDAR FALLS, IA 50613 | AFLAC | $346 | — | $346 | 0.85% |
| TARA MICHELLE D AGOSTINO3 Filed as: TARA K STUDER | 11116 AURORA AVE URBANDALE, IA 50322 | AFLAC | $127 | $17 | $144 | 0.35% |
| WESLEY J TODD3 | 602 MAIN ST, STE 200 CEDAR FALLS, IA 50613 | AFLAC | $53 | — | $53 | 0.13% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA TERRELL | 5530 WEST PKWY, STE 100 JOHNSTON, IA 50131 | AFLAC | $7 | $3 | $10 | 0.02% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA TERRELL | 5900 SARATOGA RD, STE 7 ASBURY, IA 52002 | AFLAC | $3 | — | $3 | 0.01% |
| 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 | $2K | — | $2K | 5.05% |
| 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 | $2K | — | $2K | 7.43% |
| 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 | $2K | — | $2K | 7.51% |
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 | 124 | 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) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 56 | $41K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 124 | $62K |
| Short-term disability(3 contracts, 2 carriers) | AFLAC | 124 | $103K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.