| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TARA STUDER & ASSOCIATES3 | PO BOX 104 ROCKWELL, IA 50469 | AFLAC | $3K | $64 | $3K | 7.54% |
| STEVEN G JOHNSON3 | 35989 HIGHWAY 69, STE C FOREST CITY, IA 50436 | AFLAC | $351 | $15 | $366 | 0.86% |
| THE TODD GROUP3 | 4409 BLAIR RIDGE RD CEDAR FALLS, IA 50613 | AFLAC | $305 | — | $305 | 0.72% |
| MONIKA M ARENDS3 | 1912 XIRCUS AVE WILLIAMS, IA 50271 | AFLAC | $267 | — | $267 | 0.63% |
| GINA WIEGAND3 | — | AFLAC | $177 | — | $177 | 0.42% |
| HOWARD EATON3 | 3141 PRAIRIE ROSE DR NORWALK, IA 50211 | AFLAC | $67 | $15 | $82 | 0.19% |
| TARA MICHELLE D AGOSTINO3 Filed as: TARA K STUDER | PO BOX ROCKWELL CITY, IA 50469 | AFLAC | $64 | — | $64 | 0.15% |
| TERRELL & COMPANY INC3 | 4401 WESTOWN PKWY STE 350 WEST DES MOINES, IA 50266 | AFLAC | $63 | — | $63 | 0.15% |
| WESLEY J TODD3 | 4409 BLAIR RIDGE RD CEDAR FALLS, IA 50613 | AFLAC | $52 | — | $52 | 0.12% |
| JOSHUA D TERRELL3 | — | AFLAC | $18 | — | $18 | 0.04% |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 55 | $43K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $63K |
| Short-term disability | AFLAC | 55 | $43K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $23K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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."
No prospect flags tripped on this filing.