| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LUKE J WITTROCK3 | PO BOX 701 BOONE, IA 50036 | AFLAC | $19K | $1K | $20K | 7.69% |
| SAMANTHA MORRIS3 Filed as: SAMANTHA JO WELSCH | 2207 BARRY DR ADEL, IA 50003 | AFLAC | $3K | $263 | $4K | 1.35% |
| MONIKA M ARENDS3 | 1912 XIRCUS AVE WILLIAMS, IA 50271 | AFLAC | $3K | $277 | $3K | 1.19% |
| SKYLAR D BERDAUS3 | 1100 1ST AVE N APT 23 FORT DODGE, IA 50501 | AFLAC | $2K | $108 | $2K | 0.64% |
| CHRISTOPHER HAGER3 Filed as: CHRISTOPHER CUNDIFF | 1411 S 7TH ST ADEL, IA 50003 | AFLAC | $1K | — | $1K | 0.56% |
| MARY M GRUNDMEIER3 | 1825 N CARROLL ST CARROLL, IA 51401 | AFLAC | $1K | $31 | $1K | 0.45% |
| JULIE D DEVINE INC3 | 1105 S 15TH ST CLEAR LAKE, IA 50428 | AFLAC | $901 | — | $901 | 0.34% |
| KELCEY KRINGS3 | 5600 S 59TH ST STE 202 LINCOLN, NE 68516 | AFLAC | $836 | — | $836 | 0.32% |
| MINDY SKIDMORE LLC3 | 2301 BURLINGTON ST STE 200 NORTH KANSAS CITY, MO 64116 | AFLAC | $711 | — | $711 | 0.27% |
| NICOLA R BLOSS3 | 600 SW WHITETAIL DR OAK GROVE, MO 64075 | AFLAC | $663 | — | $663 | 0.25% |
| JANE W BARNHILL3 Filed as: JANE M POTTEBAUM | 19258 HAWTHORNE AVE CARROLL, IA 51401 | AFLAC | $635 | — | $635 | 0.24% |
| BARBARA WITTROCK3 | PO BOX 701 BOONE, IA 50036 | AFLAC | $566 | — | $566 | 0.21% |
| MELISSA LEWIS3 | PO BOX 531 MALVERN, IA 51551 | AFLAC | $498 | — | $498 | 0.19% |
| LISA ZBYLUT3 | 11907 TIMBERRIDGE DR PAPILLION, NE 68133 | AFLAC | $399 | $86 | $485 | 0.18% |
| THERESA WILLIAMS JONES3 | 125 CLIFFVIEW DR QUITMAN, AR 72131 | AFLAC | $460 | — | $460 | 0.17% |
| TARA MICHELLE D AGOSTINO3 Filed as: TARA K STUDER | PO BOX 104 ROCKWELL, IA 50469 | AFLAC | $426 | $12 | $438 | 0.17% |
| JOSHUA D TERRELL3 | 812 VENETIAN ISLES DR APT 1 LAKE PARK, FL 33403 | AFLAC | $391 | — | $391 | 0.15% |
| MARVIN A WITTROCK3 | PO BOX 701 515 MARSHALL ST BOONE, IA 50036 | AFLAC | $373 | — | $373 | 0.14% |
| BRAD P LUFKIN3 | 5530 WEST PKWY STE 500 JOHNSTON, IA 50131 | AFLAC | $365 | — | $365 | 0.14% |
| GINA WIEGAND3 Filed as: GINA WIEGAND INC | 20379 TWIN PINES DR EARLHAM, IA 50072 | AFLAC | $352 | $4 | $356 | 0.13% |
| ALEXA MARIE LINDSAY3 | 639 6TH ST SE MASON CITY, IA 50401 | AFLAC | $310 | — | $310 | 0.12% |
| HOWARD EATON3 | 3141 PRAIRIE ROSE DR NORWALK, IA 50211 | AFLAC | $304 | — | $304 | 0.11% |
| LOREN E MEYER3 | 2604 W EUCLID AVE INDIANOLA, IA 50125 | AFLAC | $295 | — | $295 | 0.11% |
| WILLIAM G CASWELL3 | 1387 NW 137TH CT CLIVE, IA 50325 | AFLAC | $281 | — | $281 | 0.11% |
| STEVEN G JOHNSON3 | 35989 HIGHWAY 69 STE C FOREST CITY, IA 50436 | AFLAC | $274 | — | $274 | 0.10% |
| THE TODD GROUP3 | 4409 BLAIR RIDGE RD CEDAR FALLS, IA 50613 | AFLAC | $269 | — | $269 | 0.10% |
| JANA L MOHS3 | 1995 COUNTRY CLUB BLVD CLIVE, IA 50325 | AFLAC | $266 | — | $266 | 0.10% |
| TARA STUDER & ASSOCIATES3 | PO BOX 104 ROCKWELL, IA 50469 | AFLAC | $261 | — | $261 | 0.10% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $243 | — | $243 | 0.09% |
| KACY A GRUENKEMEYER3 | 558 CLINGMANS LN CHATTANOOGA, TN 37419 | AFLAC | $230 | — | $230 | 0.09% |
| AMY E COHEN3 Filed as: AMY J RENZE | 23121 215TH ST CARROLL, IA 51401 | AFLAC | $217 | — | $217 | 0.08% |
| COURNISA N WILSON3 | PO BOX 655 SLATER, IA 50244 | AFLAC | $205 | — | $205 | 0.08% |
| ERIC JASON WILLIAMS3 | 2907 DALLAS DR CEDAR FALLS, IA 50613 | AFLAC | $183 | — | $183 | 0.07% |
| JAY R BROWER3 | PO BOX 412 HAMPTON, IA 50441 | AFLAC | $182 | — | $182 | 0.07% |
| BETH ZADOW3 | 1300 7TH PL N CLEAR LAKE, IA 50428 | AFLAC | $177 | — | $177 | 0.07% |
| SCOTT R FRITCHER3 | 212 NW SUNSET LN GRIMES, IA 50111 | AFLAC | $157 | — | $157 | 0.06% |
| ORVILLE W LUEDTKE3 | 13731 HICKMAN RD UNIT 4106 URBANDALE, IA 50323 | AFLAC | $136 | — | $136 | 0.05% |
| TYONIA N EGGERS3 | 102 BASS ST STORM LAKE, IA 50588 | AFLAC | $109 | $23 | $132 | 0.05% |
| CHRISTI LANE FARNAN3 | 11193 CLUB VIEW DR SAINT JOSEPH, MO 64505 | AFLAC | $108 | — | $108 | 0.04% |
| RONALD L HOVICK3 | 2214 SW 43RD TER CAPE CORAL, FL 33914 | AFLAC | $105 | — | $105 | 0.04% |
| BARRY CAMPBELL3 | 2798 COUNTY ROAD 80 ALGER, OH 45812 | AFLAC | $101 | — | $101 | 0.04% |
| SUSAN M PRAUL3 | 137 90TH AVE APT 2W TREASURE ISLAND, FL 33706 | AFLAC | $97 | — | $97 | 0.04% |
| DON ARMSTRONG3 | 12834 W CASTLEBER DRIVE SUN CITY WEST, AZ 85375 | AFLAC | $95 | — | $95 | 0.04% |
| JOELLEN K KORLESKI3 | 4670 N SHORE DR CLEAR LAKE, IA 50428 | AFLAC | $95 | — | $95 | 0.04% |
| BRENT C STANKEE3 | PO BOX 203 WHEATLAND, IA 52777 | AFLAC | $95 | — | $95 | 0.04% |
| KIM I THROCKMORTON3 | 1106 EDLORADO RD APT C NORFOLK, NE 68701 | AFLAC | $94 | — | $94 | 0.04% |
| JULIE A MANN3 | 5001 SERGEANT RD STE 50 SIOUX CITY, IA 51106 | AFLAC | $93 | — | $93 | 0.04% |
| PHYLLIS D KIMBALL3 | 1103 ORCHARD DR CRESTON, IA 50801 | AFLAC | $91 | — | $91 | 0.03% |
| EDWARD C BIEHN3 | 1534 HANCOCK DR BOONE, IA 50036 | AFLAC | $89 | — | $89 | 0.03% |
| MICHAEL D SCHULTZ3 | 1126 25TH AVE NW FARIBAULT, MN 55021 | AFLAC | $86 | — | $86 | 0.03% |
| LINDA LYON3 | 726 POCAHONTAS LN OTTUMWA, IA 52501 | AFLAC | $67 | — | $67 | 0.03% |
| RITA A FOUBERT3 | 204 MALLARD POINTE DR NW BONDURANT, IA 50035 | AFLAC | $62 | — | $62 | 0.02% |
| BETTY L WALKER-COWAN3 | 216 E MAPLE AVE OTTUMWA, IA 52501 | AFLAC | $53 | — | $53 | 0.02% |
| SHAWN LARIE MANION3 | 1015 5TH AVE N APT 103 FORT DODGE, IA 50501 | AFLAC | $51 | — | $51 | 0.02% |
| EILEEN M BIEHN3 | 1534 HANCOCK DR BOONE, IA 50036 | AFLAC | $49 | — | $49 | 0.02% |
| CHARLOTTE A THORSON3 | 1501 ROOSEVELT DRIVE ATLANTIC, IA 50022 | AFLAC | $49 | — | $49 | 0.02% |
| AMY HANSEN & ASSOCIATES, INC.3 Filed as: AMY HANSEN & ASSOCIATES INC | PO BOX 406 SPENCER, IA 51301 | AFLAC | $37 | $7 | $44 | 0.02% |
| ROBERT E MOSLEY SR3 | 1131 INDEPENDENCE AVE WATERLOO, IA 50703 | AFLAC | $40 | — | $40 | 0.02% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOC LLC | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | AFLAC | $39 | — | $39 | 0.01% |
| RICHARD R KIMBROUGH3 | 1972 MUIRFIELD WAY SE PALM BAY, FL 32909 | AFLAC | $38 | — | $38 | 0.01% |
| MITCHELL J MCCALL3 | 3 STONERIDGE DR KEOKUK, IA 52632 | AFLAC | $38 | — | $38 | 0.01% |
| JANE W BARNHILL3 | 536 DOVEFIELD DR INDIAN TRAIL, NC 28079 | AFLAC | $38 | — | $38 | 0.01% |
| ROBIN D YOUNG3 | 305 SHEFFIELD DR LAKEVIEW, AR 72642 | AFLAC | $38 | — | $38 | 0.01% |
| MAURINE S DUSENBERY3 | 4169 E BRAE VOE WAY SAN TAN VALLEY, AZ 85140 | AFLAC | $36 | — | $36 | 0.01% |
| HEATHER D SWANSON3 | 115 SE BAYTREE DR WAUKEE, IA 50263 | AFLAC | $36 | — | $36 | 0.01% |
| DARRELL E RUSSELL3 | 8676 W 96TH ST STE 100 OVERLAND PARK, KS 66212 | AFLAC | $34 | — | $34 | 0.01% |
| MICHELLE ALBEA3 | 11909 S 34TH ST BELLEVUE, NE 68123 | AFLAC | $30 | — | $30 | 0.01% |
| JOHN S SANDOR3 | 1497 DENALI DR MARION, IA 52302 | AFLAC | $30 | — | $30 | 0.01% |
| BERNARD J BRAZEAU3 | 6705 GRIMES ST INDIANOLA, IA 50125 | AFLAC | $29 | — | $29 | 0.01% |
| STEPHEN FRANKL3 | 3225 SUMMERS LANE PORT WASHINGTON, WI 53074 | AFLAC | $26 | — | $26 | 0.01% |
| CONNIE J CARTER3 | 2455 OLSEN AVE WEBSTER CITY, IA 50595 | AFLAC | $25 | — | $25 | 0.01% |
| JONNELL P ACKELSON3 | 31250 N AVE ADEL, IA 50003 | AFLAC | $25 | — | $25 | 0.01% |
| ASHLEE NICHOLE ADAMS3 | 31250 N AVE ADEL, IA 50003 | AFLAC | $24 | — | $24 | 0.01% |
| AUSTIN J PETERSON3 | 11116 AURORA AVE URBANDALE, IA 50322 | AFLAC | $23 | — | $23 | 0.01% |
| MICHAEL E SHANE3 | 5420 TENNESSEE ST AMES, IA 50014 | AFLAC | $21 | — | $21 | 0.01% |
| JAMES A SMAARDYK3 | 3972 HOLLIS AVE PORT CHARLOTTE, FL 33953 | AFLAC | $19 | — | $19 | 0.01% |
| MITCHELL FRIEHE & ASSOCIATES INC3 | 16909 PALISADES DR OMAHA, NE 68136 | AFLAC | $18 | — | $18 | 0.01% |
| JEAN MARIE JONES3 | 2025 E GRAND AVE DES MOINES, IA 50317 | AFLAC | $17 | — | $17 | 0.01% |
| MICHAEL E MCCARTHY3 | 143 W WARFIELD DR MOORESVILLE, NC 28115 | AFLAC | $17 | — | $17 | 0.01% |
| JOAN M MCCORMICK3 | 12042 S ELK RUN TRAVERSE CITY, MI 49684 | AFLAC | $16 | — | $16 | 0.01% |
| MARK FRIEHE3 Filed as: MARK E FRIEHE | 11329 P ST STE 120 OMAHA, NE 68137 | AFLAC | $15 | — | $15 | 0.01% |
| VIRGINIA A HOVICK3 | 2214 SW 43RD TER CAPE CORAL, FL 33914 | AFLAC | $15 | — | $15 | 0.01% |
| THEODORE W HONKE3 | 29478 US HIGHWAY 281 LAKE ANDES, SD 57356 | AFLAC | $13 | — | $13 | 0.00% |
| FMC ENTERPRISES INC3 | PO BOX 220 FOLEY, AL 36536 | AFLAC | $12 | — | $12 | 0.00% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SERVICES LLC | 3022 AIRPORT BLVD WATERLOO, IA 50703 | AFLAC | $10 | — | $10 | 0.00% |
| LYNN M BARBIER3 | 3414 HONEYSUCKLE RD AMES, IA 50014 | AFLAC | $8 | — | $8 | 0.00% |
| WENDI ELAINE BEHRENS3 | 115 N WEST ST CARROLL, IA 51401 | AFLAC | $8 | — | $8 | 0.00% |
| MARY ANSTEY3 | 704 MONROE ST CUMBERLAND, IA 50843 | AFLAC | $7 | — | $7 | 0.00% |
| KELCEY KRINGS3 | 1330 PRAIRIE RIDGE DR POLK CITY, IA 50226 | AFLAC | $6 | — | $6 | 0.00% |
| STACEY LYN CASTELLANETA3 Filed as: STACEY SCHROCK | 3616 UNIVERSITY AVE APT 4 DES MOINES, IA 50311 | AFLAC | $5 | — | $5 | 0.00% |
| JACQUELYN KIMBROUGH3 | PO BOX 568 CARLISLE, IA 50047 | AFLAC | $3 | — | $3 | 0.00% |
| JACQUELYN KIMBROUGH3 | PO BOX 568 CARLISLE, IA 50047 | AFLAC | $3 | — | $3 | 0.00% |
| MARK L DUNN3 | 2734 N RETIREMENT LN APT C BOISE, ID 83704 | AFLAC | $2 | — | $2 | 0.00% |
| PENNEY JEAN SMAARDYK3 | 157 LONG MEADOW LN ROTONDA WEST, FL 33947 | AFLAC | $2 | — | $2 | 0.00% |
| RANDALL M COOPER3 | 221 1ST ST NE STE C MOUNT VERNON, IA 52314 | AFLAC | $1 | — | $1 | 0.00% |
| RYAN BENEFITS INC3 Filed as: RYAN LODE | 608 FAIRVIEW ST WALL LAKE, IA 51466 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES L HAYES3 | 1547 CEDAR SPRINGS CT NORTH LIBERTY, IA 52317 | AFLAC | $1 | — | $1 | 0.00% |
| KERRY PARSONS3 Filed as: KERRY PICKARD | 8534 N OVERLAND DR KANSAS CITY, MO 64154 | AFLAC | $1 | — | $1 | 0.00% |
| KURT ROBERT BOGSETH3 | 1245 JORDAN CREEK PKWY W DES MOINES, IA 50266 | NORTHWESTERN MUTUAL | $16K | $4K | $20K | 8.14% |
| JEFFREY BOES3 | 714 SIMON AVE CARROLL, IA 51401 | NORTHWESTERN MUTUAL | $8K | $2K | $11K | 4.38% |
| BYRN FINANCIAL LLC3 | 1245 JORDAN CREEK PKWY SUITE 200 W DES MOINES, IA 50266 | NORTHWESTERN MUTUAL | $5K | $582 | $5K | 2.24% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 4.41% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $6K | — | $6K | 9.15% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| RXBENEFITS EIN 63-1157085 PHARMACY BENEFIT MGMT | Float revenue; Other fees; Direct payment from the plan; Claims processing Service code 12 | — | $29K |
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 | 751 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 757 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 582 | $62K |
| Life insurance | STANDARD INSURANCE COMPANY | 636 | $67K |
| Short-term disability | AFLAC | 323 | $265K |
| Long-term disability | NORTHWESTERN MUTUAL | 0 | $243K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE CO. | 467 | $484K |
| Other(2 contracts, 2 carriers) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 448 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 636 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.