| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TARA STUDER & ASSOCIATES3 | PO BOX 104 ROCKWELL, IA 50469 | AFLAC | $8K | $782 | $9K | 13.00% |
| MONIKA M ARENDS3 Filed as: MONIKA ARENDS | 1912 XIRCUS AVE WILLIAMS, IA 50271 | AFLAC | $2K | $159 | $2K | 2.72% |
| SKYLAR D BERDAUS3 | 1100 1ST AVE N APT23 FORT DODGE, IA 50501 | AFLAC | $1K | $159 | $2K | 2.35% |
| TARA MICHELLE D AGOSTINO3 Filed as: TARA K STUDER | PO BOX 104 ROCKWELL CITY, IA 50469 | AFLAC | $722 | $108 | $830 | 1.21% |
| THERESA WILLIAMS JONES3 | 125 CLIFF VIEW DR QUITMAN, AR 72131 | AFLAC | $248 | — | $248 | 0.36% |
| STEVEN G JOHNSON3 | 35989 HIGHWAY 69, STE C FOREST CITY, IA 50436 | AFLAC | $229 | — | $229 | 0.33% |
| THE TODD GROUP3 | 4409 BLAIR RIDGE RD CEDAR FALLS, IA 50613 | AFLAC | $195 | — | $195 | 0.28% |
| GINA WIEGAND3 | — | AFLAC | $186 | — | $186 | 0.27% |
| JOSHUA D TERRELL3 | — | AFLAC | $58 | — | $58 | 0.08% |
| TESS BRANT3 | 1509 E 18TH STREET SPENCER, IA 51301 | AFLAC | $50 | — | $50 | 0.07% |
| TAMMY ZEMLER3 | PO BOX 473 SPIRIT LAKE, IA 51360 | AFLAC | $47 | — | $47 | 0.07% |
| JACKLIN J CAMPBELL3 | 1107 NW 1ST ST EAGLE GROVE, IA 50533 | AFLAC | $42 | — | $42 | 0.06% |
| DEAN E CULBERTSON3 | 309 EAST NOR ALGONA, IA 50511 | AFLAC | $35 | — | $35 | 0.05% |
| JOHN H BRZUCHALSKI3 | 1725 E MOUND ST ALGONA, IA 50511 | AFLAC | $28 | — | $28 | 0.04% |
| WESLEY J TODD3 | 4409 BLAIR RIDGE RD CEDAR FALLS, IA 50613 | AFLAC | $25 | — | $25 | 0.04% |
| TYONIA EGGERS INC3 Filed as: TYONIA EGGERS | 102 BASS STREET STORM LAKE, IA 50588 | AFLAC | $25 | — | $25 | 0.04% |
| MELISSA ERNST3 | 27230 734TH AVE DASSEL, MN 55325 | AFLAC | $25 | — | $25 | 0.04% |
| GERRIT J VIS3 | 1435 MAIN ST PO BOX 86 ROCK VALLEY, IA 51247 | AFLAC | $17 | — | $17 | 0.02% |
| SCOTT R FRITCHER3 | 212 NW SUNSET LN GRIMES, IA 50111 | AFLAC | $16 | — | $16 | 0.02% |
| JACOB B SANKEN3 | PO BOX 265 HUTCHINSON, MN 55350 | AFLAC | $14 | — | $14 | 0.02% |
| MICHAEL E MCCARTHY3 | 143 W WARFIELD DR MOORESVILLE, NC 28115 | AFLAC | $7 | — | $7 | 0.01% |
| JESSE A REISCH3 | 47269 255TH ST RENNER, SD 57055 | AFLAC | $7 | — | $7 | 0.01% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $5 | — | $5 | 0.01% |
| HEATHER D SWANSON3 | 115 SE BAYTREE DR WAUKEE, IA 50263 | AFLAC | $2 | — | $2 | 0.00% |
| JEFFERY HANSEN3 Filed as: JEFFERY M HANSEN | 1895 52ND ST SW PEQUOT LAKES, MN 56472 | AFLAC | $2 | — | $2 | 0.00% |
| CHERISE M WADE3 | 616 HARDEMAN ST SEALY, TX 77474 | 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 | 128 | 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) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | AFLAC | 128 | $140K |
| Short-term disability | AFLAC | 70 | $69K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $27K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.