| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TARA STUDER & ASSOCIATES3 | PO BOX 104 ROCKWELL, IA 50469 | AFLAC | $6K | — | $6K | 11.35% |
| MONIKA M ARENDS3 Filed as: MONIKA ARENDS | 1912 XIRCUS AVE WILLIAMS, IA 50271 | AFLAC | $1K | $10 | $1K | 2.12% |
| SKYLAR D BERDAUS3 | 1100 1ST AVE N APT23 FORT DODGE, IA 50501 | AFLAC | $627 | — | $627 | 1.24% |
| TARA MICHELLE D AGOSTINO3 Filed as: TARA K STUDER | PO BOX ROCKWELL CITY, IA 50469 | AFLAC | $569 | $43 | $612 | 1.22% |
| GINA WIEGAND3 Filed as: GINA WIEGAND INC | 20379 TWIN PINES DR EARLHAM, IA 50072 | AFLAC | $249 | — | $249 | 0.49% |
| THE TODD GROUP3 | 4409 BLAIR RIDGE RD CEDAR FALLS, IA 50613 | AFLAC | $192 | — | $192 | 0.38% |
| STEVEN G JOHNSON3 | 35989 HIGHWAY 69, STE C FOREST CITY, IA 50436 | AFLAC | $190 | — | $190 | 0.38% |
| GINA WIEGAND3 | — | AFLAC | $142 | $9 | $151 | 0.30% |
| THERESA WILLIAMS JONES3 | 125 CLIFF VIEW DR QUITMAN, AR 72131 | AFLAC | $147 | — | $147 | 0.29% |
| JOSHUA D TERRELL3 | — | AFLAC | $55 | — | $55 | 0.11% |
| WESLEY J TODD3 | 4409 BLAIR RIDGE RD CEDAR FALLS, IA 50613 | AFLAC | $48 | — | $48 | 0.10% |
| TESS BRANT3 | 1509 E 18TH STREET SPENCER, IA 51301 | AFLAC | $46 | — | $46 | 0.09% |
| TAMMY ZEMLER3 | PO BOX 473 SPIRIT LAKE, IA 51360 | AFLAC | $43 | — | $43 | 0.09% |
| TYONIA EGGERS INC3 Filed as: TYONIA EGGERS | 102 BASS STREET STORM LAKE, IA 50588 | AFLAC | $23 | — | $23 | 0.05% |
| DEAN E CULBERTSON3 | 309 EAST NOR ALGONA, IA 50511 | AFLAC | $12 | — | $12 | 0.02% |
| JOHN H BRZUCHALSKI3 | 1725 E MOUND ST ALGONA, IA 50511 | AFLAC | $9 | — | $9 | 0.02% |
| MELISSA ERNST3 | 27230 734TH AVE DASSEL, MN 55325 | AFLAC | $8 | — | $8 | 0.02% |
| JACKLIN J CAMPBELL3 | 1649 285TH ST EAGLE GROVE, IA 50533 | AFLAC | $7 | — | $7 | 0.01% |
| GERRIT J VIS3 | 1435 MAIN ST PO BOX 86 ROCK VALLEY, IA 51247 | AFLAC | $6 | — | $6 | 0.01% |
| JACOB B SANKEN3 | PO BOX 265 HUTCHINSON, MN 55350 | AFLAC | $5 | — | $5 | 0.01% |
| SCOTT R FRITCHER3 | 212 NW SUNSET LN GRIMES, IA 50111 | AFLAC | $3 | — | $3 | 0.01% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $2 | — | $2 | 0.00% |
| JESSE A REISCH3 | 47269 255TH ST RENNER, SD 57055 | AFLAC | $2 | — | $2 | 0.00% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $1 | — | $1 | 0.00% |
| JEFFERY HANSEN3 Filed as: JEFFERY M HANSEN | 1895 52ND ST SW PEQUOT LAKES, MN 56472 | AFLAC | $1 | — | $1 | 0.00% |
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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | AFLAC | 136 | $122K |
| Short-term disability | AFLAC | 72 | $50K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $27K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 136 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.