| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LUKE J WITTROCK3 | PO BOX 701 BOONE, IA 50036 | AFLAC | $10K | $385 | $10K | 8.08% |
| MARY M GRUNDMEIER3 | 1825 NORTH CARROLL STREET CARROLL, IA 51401 | AFLAC | $4K | — | $4K | 3.38% |
| COURNISA N WILSON3 | PO BOX 655 SLATER, IA 50244 | AFLAC | $2K | $4 | $2K | 1.25% |
| JANE POTTEBAUM3 | 19258 HAWTHORNE AVENUE CARROLL, IA 51401 | AFLAC | $1K | — | $1K | 1.17% |
| BRAD P LUFKIN3 | 5530 WEST PARKWAY SUITE 500 JOHNSTON, IA 50131 | AFLAC | $1K | $77 | $1K | 1.16% |
| BARBARA WITTROCK3 | PO BOX 701 BOONE, IA 50036 | AFLAC | $1K | — | $1K | 0.84% |
| LOREN E MEYER3 | 2604 WEST EUCLID AVENUE INDIANOLA, IA 50125 | AFLAC | $678 | $73 | $751 | 0.61% |
| MARVIN A WITTROCK3 | 515 MARSHALL STREET PO BOX 701 BOONE, IA 50036 | AFLAC | $717 | — | $717 | 0.58% |
| AMY E COHEN3 Filed as: AMY J RENZE | 23121 215TH STREET CARROLL, IA 51401 | AFLAC | $643 | — | $643 | 0.52% |
| WILLIAM G CASWELL3 | 1387 NORTHWEST 137TH COURT CLIVE, IA 50325 | AFLAC | $555 | — | $555 | 0.45% |
| SCOTT R FRITCHER3 | 9655 NORTHWEST 74TH PL GRIMES, IA 50111 | AFLAC | $253 | — | $253 | 0.21% |
| KRINGS ENTERPRISES INC3 | 5530 WEST PARKWAY SUITE 500 JOHNSTON, IA 50131 | AFLAC | $241 | — | $241 | 0.20% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DRIVE SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $220 | — | $220 | 0.18% |
| ORVILLE W LUEDTKE3 | 3020 HOLCOMB AVENUE DES MOINES, IA 50310 | AFLAC | $193 | — | $193 | 0.16% |
| PHYLLIS D KIMBALL3 | 1103 ORCHARD DRIVE CRESTON, IA 50801 | AFLAC | $190 | — | $190 | 0.15% |
| KIM I THROCKMORTON3 | 211 SOUTH 8TH STREET BATTLE CREEK, NE 68715 | AFLAC | $185 | — | $185 | 0.15% |
| DON ARMSTRONG3 | 12834 WEST CASTLEBER DRIVE SUN CITY WEST, AZ 85375 | AFLAC | $181 | — | $181 | 0.15% |
| EDWARD C BIEHN3 | 1534 HANCOCK DRIVE BOONE, IA 50036 | AFLAC | $164 | — | $164 | 0.13% |
| SUSAN M PRAUL3 | 3461 29TH STREET BETTENDORF, IA 52722 | AFLAC | $139 | — | $139 | 0.11% |
| CHARLOTTE A THORSON3 | 1501 ROOSEVELT DRIVE ATLANTIC, IA 50022 | AFLAC | $106 | — | $106 | 0.09% |
| BARRY CAMPBELL3 | 2798 COUNTY ROAD 80 ALGER, OH 45812 | AFLAC | $101 | — | $101 | 0.08% |
| BRENT C STANKEE3 | PO BOX 203 WHEATLAND, IA 52777 | AFLAC | $96 | — | $96 | 0.08% |
| BRUCE R HUTCHINSON3 | 1948 180TH STREET MANCHESTER, IA 52057 | AFLAC | $88 | — | $88 | 0.07% |
| RICHARD R KIMBROUGH3 | 1972 MUIRFIELD WAY SOUTHEAST PALM BAY, FL 32909 | AFLAC | $79 | — | $79 | 0.06% |
| DARRELL E RUSSELL3 | 8500 COLLEGE BOULEVARD OVERLAND PARK, KS 66210 | AFLAC | $78 | — | $78 | 0.06% |
| KORY K ELLERBECK3 | 8610 EP TRUE PARKWAY UNIT 13009 WEST DES MOINES, IA 50266 | AFLAC | $77 | — | $77 | 0.06% |
| JANE W BARNHILL3 | 6636 NC HIGHWAY 43 SOUTH GREENVILLE, NC 27858 | AFLAC | $76 | — | $76 | 0.06% |
| MITCHELL J MCCALL3 | 1620 WILLINGTON PLACE APARTMENT 1101 BEAUMONT, TX 77706 | AFLAC | $72 | — | $72 | 0.06% |
| ASHLEE NICHOLE ADAMS3 | 2576 120TH STREET VAN METER, IA 50261 | AFLAC | $62 | — | $62 | 0.05% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOC INC | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | AFLAC | $61 | — | $61 | 0.05% |
| RITA A FOUBERT3 | 4888 110TH STREET MONTEZUMA, IA 50171 | AFLAC | $57 | — | $57 | 0.05% |
| EILEEN M BIEHN3 Filed as: EILEEN M BIEN | 1534 HANCOCK DRIVE BOONE, ID 50036 | AFLAC | $56 | — | $56 | 0.05% |
| MAURINE S DUSENBERY3 | 5698 NORTHWEST 4TH COURT DES MOINES, ID 50313 | AFLAC | $50 | — | $50 | 0.04% |
| KACY A GRUENKEMEYER3 | 11116 AURORA AVENUE URBANDALE, IA 50322 | AFLAC | $49 | — | $49 | 0.04% |
| THOMAS P COMPO3 | 840 JUNIPER AVENUE KELLOGG, IA 50135 | AFLAC | $45 | — | $45 | 0.04% |
| JOAN M MCCORMICK3 | 10430 EAST GRANDVIEW ROAD TRAVERSE CITY, MI 49684 | AFLAC | $44 | — | $44 | 0.04% |
| JEAN MARIE JONES3 | 3623 DOUGLAS AVENUE DES MOINES, IA 50310 | AFLAC | $41 | — | $41 | 0.03% |
| LINDA LYON3 | PO BOX 832 OTTUMWA, IA 52501 | AFLAC | $40 | — | $40 | 0.03% |
| JOHN S SANDOR3 | 1497 DENALI DRIVE MARION, IA 52302 | AFLAC | $32 | — | $32 | 0.03% |
| ROBIN D YOUNG3 | 903 BELL AVENUE WEBSTER CITY, ID 50595 | AFLAC | $31 | — | $31 | 0.03% |
| MARK FRIEHE3 Filed as: MARK E FRIEHE | 4611 SOUTH 96TH STREET SUITE 101 OMAHA, NE 68127 | AFLAC | $31 | — | $31 | 0.03% |
| BETTY L WALKER-COWAN3 Filed as: BETTY WALKER-COWAN | 216 EAST MAPLE AVENUE OTTUMWA, IA 52501 | AFLAC | $31 | — | $31 | 0.03% |
| JAMES A SMAARDYK3 | 2831 CEDAR HILLS LANE TWIN LAKE, MI 49457 | AFLAC | $30 | — | $30 | 0.02% |
| JONNELL P ACKELSON3 | 31250 N AVENUE ADEL, IA 50003 | AFLAC | $28 | — | $28 | 0.02% |
| LEROY C GOOSIC3 | 300 2ND STREET NORTHEAST APARTMENT 12 BONDURANT, IA 50035 | AFLAC | $27 | — | $27 | 0.02% |
| MARY L STEPHANY3 | 736 1400TH STREET HARLAN, IA 51537 | AFLAC | $27 | — | $27 | 0.02% |
| FMC ENTERPRISES INC3 | PO BOX 220 FOLEY, AL 36536 | AFLAC | $25 | — | $25 | 0.02% |
| STEVEN G JOHNSON3 | 35989 HIGHWAY 69 SUITE C FOREST CITY, IA 50436 | AFLAC | $20 | — | $20 | 0.02% |
| DALE PHILLIPS3 | 20651 US HIGHWAY 65 PRINCETON, MO 64673 | AFLAC | $20 | — | $20 | 0.02% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $19 | — | $19 | 0.02% |
| JANE M HANER3 | 2521 130TH STREET MOORHEAD, IA 51558 | AFLAC | $19 | — | $19 | 0.02% |
| LESLIE A COOPER3 | 1511 70TH STREET WINDSOR HEIGHTS, ID 50324 | AFLAC | $18 | — | $18 | 0.01% |
| TIMOTHY B ASBY3 | 9247 NORTH MERIDIAN STREET SUITE 205 INDIANAPOLIS, IN 46260 | AFLAC | $17 | — | $17 | 0.01% |
| JAIME R RAGINS3 | 4126 STURGIS DRIVE CEDAR FALLS, IA 50613 | AFLAC | $15 | — | $15 | 0.01% |
| THE TODD GROUP3 | 602 MAIN STREET SUITE 200 CEDAR FALLS, IA 50613 | AFLAC | $15 | — | $15 | 0.01% |
| WILLIAM R ROBERTSON3 | PO BOX 118 BELDEN, MS 38826 | AFLAC | $15 | — | $15 | 0.01% |
| PEAK INC3 | 1130 SOUTH BURR SUITE 300 PO BOX 514 MITCHELL, SD 57301 | AFLAC | $14 | — | $14 | 0.01% |
| LYNN M BARBIER3 | 2417 GRANT CIRCLE AMES, IA 50010 | AFLAC | $12 | — | $12 | 0.01% |
| AMY HANSEN & ASSOCIATES, INC.3 Filed as: AMY HANSEN & ASSOCIATES INC | PO BOX 406 SPENCER, IA 51301 | AFLAC | $12 | — | $12 | 0.01% |
| JAIME R RAGINS3 | 11116 AURORA AVENUE URBANDALE, IA 50322 | AFLAC | $12 | — | $12 | 0.01% |
| KRINGS ENTERPRISES INC3 Filed as: S KRINGS ENTERPRISES INC | 1408 PRAIRIE RIDGE DRIVE POLK CITY, ID 50226 | AFLAC | $10 | — | $10 | 0.01% |
| MITCHELL FRIEHE & ASSOCIATES INC3 | 16909 PALISADES DRIVE OMAHA, NE 68136 | AFLAC | $10 | — | $10 | 0.01% |
| CHARLES L TIPTON3 | 33 RAPIDS RUN SIMS, AR 71969 | AFLAC | $9 | — | $9 | 0.01% |
| MERLE DALE HALL3 | 950 WEST BANNOCK STREET SUITE 1100 BOISE, ID 83702 | AFLAC | $8 | — | $8 | 0.01% |
| MONICA WHITE3 Filed as: MONICA L WHITE | 28876 DELTA AVENUE TREYNOR, IA 51575 | AFLAC | $8 | — | $8 | 0.01% |
| MARY ANSTEY3 | 704 MONROE STREET CUMBERLAND, IA 50843 | AFLAC | $7 | — | $7 | 0.01% |
| JOHN D TYLER3 | 130 DUCK HAWK WAY MARIETTA, SC 29661 | AFLAC | $7 | — | $7 | 0.01% |
| KELCEY KRINGS3 | 2570 106TH STREET SUITE A URBANDALE, IA 50322 | AFLAC | $6 | — | $6 | 0.00% |
| MONICA WHITE3 | 28876 DELTA AVENUE TREYNOR, IA 51575 | AFLAC | $6 | — | $6 | 0.00% |
| DARCY SWON3 | 1294 321ST STREET STRATFORD, IA 50249 | AFLAC | $5 | — | $5 | 0.00% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $4 | — | $4 | 0.00% |
| HEATHER D SWANSON3 | 4608 67TH STREET URBANDALE, IA 50322 | AFLAC | $4 | — | $4 | 0.00% |
| BERNARD J BRAZEAU3 | 6705 GRIMES STREET INDIANOLA, IA 50125 | AFLAC | $4 | — | $4 | 0.00% |
| AUSTIN J PETERSON3 | 11116 AURORA AVENUE URBANDALE, IA 50322 | AFLAC | $4 | — | $4 | 0.00% |
| GABE J BOWERS3 | 811 KEELER STREET BOONE, IA 50036 | AFLAC | $2 | — | $2 | 0.00% |
| KIMBERLY S BEGGS3 | 1609 WINCHESTER AVENUE CLEARFIELD, ID 50840 | AFLAC | $2 | — | $2 | 0.00% |
| RONALD L HOVICK3 | 2214 SOUTHWEST 43RD TERR CAPE CORAL, FL 33914 | AFLAC | $2 | — | $2 | 0.00% |
| STACEY LYN CASTELLANETA3 Filed as: STACEY SCHROCK | 3616 UNIVERSITY AVENUE APARTMENT 4 DES MOINES, IA 50311 | AFLAC | $1 | — | $1 | 0.00% |
| KIM BEHRENS3 | 3066 VICTORIA STREET BETTENDORF, IA 52722 | ORRIANT | $1K | — | $1K | 1.31% |
| GROUP BENEFITS LTD3 Filed as: GROUP SERVICES INC | 3066 VICTORIA STREET BETTENDORF, IA 52722 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 6.59% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 6830 COCHRAN ROAD SOLON, OH 44139 | STANDARD INSURANCE COMPANY | $661 | — | $661 | 1.71% |
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 | 620 | 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) | 620 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 445 | $39K |
| Short-term disability | AFLAC | 238 | $123K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE CORPORATION | 293 | $330K |
| Other(3 contracts, 3 carriers) | AFLAC | 445 | $271K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 445 | — |
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.