| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LUKE J WITTROCK3 | PO BOX 701 BOONE, IA 50036 | AFLAC | $12K | $855 | $13K | 6.96% |
| JULIE D DEVINE INC3 | 1105 SOUTH 15TH STREET CLEAR LAKE, IA 50428 | AFLAC | $4K | $130 | $4K | 1.98% |
| MARY M GRUNDMEIER3 | 1825 NORTH CARROLL STREET CARROLL, IA 51401 | AFLAC | $3K | $60 | $3K | 1.51% |
| KRINGS ENTERPRISES INC3 | 1330 PRAIRIE RIDGE DRIVE POLK CITY, IA 50226 | AFLAC | $1K | $127 | $2K | 0.87% |
| TERRELL & COMPANY INC3 | 5530 WEST PARKWAY SUITE 100 JOHNSTON, IA 50131 | AFLAC | $1K | $67 | $1K | 0.75% |
| JANA L MOHS3 | 301 SOUTHWEST CREEKSIDE COURT GRIMES, IA 50111 | AFLAC | $1K | $44 | $1K | 0.74% |
| JANE W BARNHILL3 Filed as: JANE M POTTEBAUM | 19258 HAWTHORNE AVENUE CARROLL, IA 51401 | AFLAC | $1K | $12 | $1K | 0.56% |
| BARBARA WITTROCK3 | PO BOX 701 BOONE, IA 50036 | AFLAC | $859 | — | $859 | 0.46% |
| KACY A GRUENKEMEYER3 | 543 ALSTON DRIVE CHATTANOOGA, TN 37419 | AFLAC | $556 | $140 | $696 | 0.37% |
| MARVIN A WITTROCK3 | 515 MARSHALL STREET PO BOX 701 BOONE, IA 50036 | AFLAC | $587 | — | $587 | 0.31% |
| STEVEN G JOHNSON3 | 35989 HIGHWAY 69 SUITE C FOREST CITY, IA 50436 | AFLAC | $474 | $34 | $508 | 0.27% |
| BRAD P LUFKIN3 | 5530 WEST PARKWAY SUITE 500 JOHNSTON, IA 50131 | AFLAC | $490 | — | $490 | 0.26% |
| AMY E COHEN3 Filed as: AMY J RENZE | 23121 215TH STREET CARROLL, IA 51401 | AFLAC | $481 | — | $481 | 0.26% |
| WILLIAM G CASWELL3 | 1387 NORTHWEST 137TH COURT CLIVE, IA 50325 | AFLAC | $477 | — | $477 | 0.26% |
| COURNISA N WILSON3 | PO BOX 655 SLATER, IA 50244 | AFLAC | $367 | — | $367 | 0.20% |
| LOREN E MEYER3 | 2604 WEST EUCLID AVENUE INDIANOLA, IA 50125 | AFLAC | $330 | — | $330 | 0.18% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DRIVE SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $292 | — | $292 | 0.16% |
| JAY R BROWER3 | PO BOX 412 HAMPTON, IA 50441 | AFLAC | $255 | — | $255 | 0.14% |
| SCOTT R FRITCHER3 | 3511 131ST STREET URBANDALE, IA 50323 | AFLAC | $248 | — | $248 | 0.13% |
| EDWARD C BIEHN3 | 1534 HANCOCK DRIVE BOONE, IA 50036 | AFLAC | $203 | — | $203 | 0.11% |
| ERIC JASON WILLIAMS3 | 808 EAST 18TH STREET CEDAR FALLS, IA 50613 | AFLAC | $194 | — | $194 | 0.10% |
| HOWARD EATON3 | 3141 PRAIRIE ROSE DRIVE NORWALK, IA 50211 | AFLAC | $183 | — | $183 | 0.10% |
| THE TODD GROUP3 | 602 MAIN STREET SUITE 200 CEDAR FALLS, IA 50613 | AFLAC | $177 | — | $177 | 0.09% |
| ORVILLE W LUEDTKE3 | 13731 HICKMAN ROAD UNIT 4106 URBANDALE, IA 50323 | AFLAC | $169 | — | $169 | 0.09% |
| DON ARMSTRONG3 | 12834 WEST CASTLEBER DRIVE SUN CITY WEST, AZ 85375 | AFLAC | $148 | — | $148 | 0.08% |
| PHYLLIS D KIMBALL3 | 1103 ORCHARD DRIVE CRESTON, IA 50801 | AFLAC | $142 | — | $142 | 0.08% |
| ERIC JASON WILLIAMS3 | 2907 DALLAS DRIVE CEDAR FALLS, IA 50613 | AFLAC | $133 | — | $133 | 0.07% |
| THE TODD GROUP3 | 100 EAST 2ND STREET UNIT 205 CEDAR FALLS, IA 50613 | AFLAC | $120 | — | $120 | 0.06% |
| BARRY CAMPBELL3 | 2798 COUNTRY ROAD 80 ALGER, OH 45812 | AFLAC | $115 | — | $115 | 0.06% |
| SUSAN M PRAUL3 | 3461 29TH STREET BETTENDORF, IA 52722 | AFLAC | $100 | — | $100 | 0.05% |
| BRENT C STANKEE3 | PO BOX 203 WHEATLAND, IA 52777 | AFLAC | $99 | — | $99 | 0.05% |
| KIM I THROCKMORTON3 | 211 SOUTH 8TH STREET BATTLE CREEK, NE 68715 | AFLAC | $97 | — | $97 | 0.05% |
| CHARLOTTE A THORSON3 | 1501 ROOSEVELT DRIVE ATLANTIC, IA 50022 | AFLAC | $91 | — | $91 | 0.05% |
| MITCHELL J MCCALL3 | 3 STONERIDGE DRIVE KEOKUK, IA 52632 | AFLAC | $82 | — | $82 | 0.04% |
| RICHARD R KIMBROUGH3 | 1972 MUIRFIELD WAY SOUTHEAST PALM BAY, FL 32909 | AFLAC | $75 | — | $75 | 0.04% |
| RONALD L HOVICK3 | 2214 SOUTHWEST 43RD TERRACE CAPE CORAL, FL 33914 | AFLAC | $72 | — | $72 | 0.04% |
| ROBIN D YOUNG3 | 903 BELL AVENUE WEBSTER CITY, IA 50595 | AFLAC | $72 | — | $72 | 0.04% |
| PAIGE C WITTE3 Filed as: PAIGE WITTE INC | 2918 118TH STREET STUART, IA 50250 | AFLAC | $41 | $29 | $70 | 0.04% |
| KIM I THROCKMORTON3 | 309 NORTH 33RD STREET UNIT C NORFOLK, NE 68701 | AFLAC | $68 | — | $68 | 0.04% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOC INC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | AFLAC | $68 | — | $68 | 0.04% |
| BRUCE R HUTCHINSON3 | 1948 180TH STREET MANCHESTER, IA 52057 | AFLAC | $65 | — | $65 | 0.03% |
| RITA A FOUBERT3 | 204 MALLARD POINTE DRIVE NORTHWEST BONDURANT, IA 50035 | AFLAC | $63 | — | $63 | 0.03% |
| JANE W BARNHILL3 | 6636 NC HIGHWAY 43 SOUTH GREENVILLE, NC 27858 | AFLAC | $63 | — | $63 | 0.03% |
| TARA STUDER & ASSOCIATES3 | 115 NORTH JEFFERSON AVENUE MASON CITY, IA 50401 | AFLAC | $58 | — | $58 | 0.03% |
| MAURINE S DUSENBERY3 | 4169 EAST BRAE VOE WAY SAN TAN VALLEY, AZ 85140 | AFLAC | $55 | — | $55 | 0.03% |
| KORY K ELLERBECK3 | 8610 EP TRUE PARKWAY UNIT 13009 WEST DES MOINES, IA 50266 | AFLAC | $55 | — | $55 | 0.03% |
| MICHAEL D SCHULTZ3 | 1126 25TH AVENUE NORTHWEST FARIBAULT, MN 55021 | AFLAC | $54 | — | $54 | 0.03% |
| PAIGE C WITTE3 | 2918 118TH STREET STUART, IA 50250 | AFLAC | $52 | — | $52 | 0.03% |
| EILEEN M BIEHN3 | 1534 HANCOCK DRIVE BOONE, IA 50036 | AFLAC | $49 | — | $49 | 0.03% |
| MARY L STEPHANY3 | 736 1400TH STREET HARLAN, IA 51537 | AFLAC | $47 | — | $47 | 0.03% |
| ASHLEE NICHOLE ADAMS3 | 31250 NORTH AVENUE ADEL, IA 50003 | AFLAC | $45 | — | $45 | 0.02% |
| HEATHER D SWANSON3 | 4517 49TH PLACE DES MOINES, IA 50310 | AFLAC | $45 | — | $45 | 0.02% |
| BETTY L WALKER-COWAN3 | 216 EAST MAPLE AVENUE OTTUMWA, IA 52501 | AFLAC | $44 | — | $44 | 0.02% |
| LINDA LYON3 | PO BOX 832 OTTUMWA, IA 52501 | AFLAC | $43 | — | $43 | 0.02% |
| FRANKLIN L NORRIS3 | PO BOX 528 SHEFFIELD, IA 50475 | AFLAC | $38 | — | $38 | 0.02% |
| JOAN M MCCORMICK3 | 12042 SOUTH ELK RUN TRAVERSE CITY, MI 49684 | AFLAC | $38 | — | $38 | 0.02% |
| BERNARD J BRAZEAU3 | 6705 GRIMES STREET INDIANOLA, IA 50125 | AFLAC | $37 | — | $37 | 0.02% |
| DARRELL E RUSSELL3 | 8676 WEST 96TH STREET SUITE 100 OVERLAND PARK, KS 66212 | AFLAC | $36 | — | $36 | 0.02% |
| JAIME R RAGINS3 | 31 COBBLESTONE LANE LE CLAIRE, IA 52753 | AFLAC | $35 | — | $35 | 0.02% |
| ROBERT E MOSLEY SR3 | 1131 INDEPENDENCE AVENUE WATERLOO, IA 50703 | AFLAC | $35 | — | $35 | 0.02% |
| JAMES A SMAARDYK3 | 2831 CEDAR HILLS LANE TWIN LAKE, MI 49457 | AFLAC | $30 | — | $30 | 0.02% |
| JOHN S SANDOR3 | 1497 DENALI DRIVE MARION, IA 52302 | AFLAC | $30 | — | $30 | 0.02% |
| LEROY C GOOSIC3 | 300 2ND STREET NORTHEAST APARTMENT 12 BONDURANT, IA 50035 | AFLAC | $29 | — | $29 | 0.02% |
| ROBERT W HORNFECK3 | 544 INDIAN TRAIL ROAD OTTUMWA, IA 52501 | AFLAC | $27 | — | $27 | 0.01% |
| AUSTIN J PETERSON3 | 11116 AURORA AVENUE URBANDALE, IA 50322 | AFLAC | $26 | — | $26 | 0.01% |
| CONNIE J CARTER3 | 2455 OLSEN AVENUE WEBSTER CITY, IA 50595 | AFLAC | $25 | — | $25 | 0.01% |
| JONNELL P ACKELSON3 | 31250 NORTH AVENUE ADEL, IA 50003 | AFLAC | $25 | — | $25 | 0.01% |
| THOMAS P COMPO3 | 840 JUNIPER AVENUE KELLOGG, IA 50135 | AFLAC | $25 | — | $25 | 0.01% |
| PEAK INC3 | 40658 252ND STREET MITCHELL, SD 57301 | AFLAC | $25 | — | $25 | 0.01% |
| FMC ENTERPRISES INC3 | PO BOX 220 FOLEY, AL 36536 | AFLAC | $24 | — | $24 | 0.01% |
| GINA WIEGAND3 Filed as: GINA WIEGAND INC | 20379 TWIN PINES DRIVE EARLHAM, IA 50072 | AFLAC | $17 | $6 | $23 | 0.01% |
| MICHAEL E SHANE3 | 5420 TENNESSEE STREET AMES, IA 50014 | AFLAC | $21 | — | $21 | 0.01% |
| LESLIE A COOPER3 | 1511 70TH STREET WINDSOR HEIGHTS, IA 50324 | AFLAC | $19 | — | $19 | 0.01% |
| MONICA WHITE3 Filed as: MONICA L WHITE | 28876 DELTA AVENUE TREYNOR, IA 51575 | AFLAC | $19 | — | $19 | 0.01% |
| TIMOTHY B ASBY3 | 11500 GOLDEN WILLOW COURT ZIONSVILLE, IN 46077 | AFLAC | $19 | — | $19 | 0.01% |
| MITCHELL FRIEHE & ASSOCIATES INC3 | 16909 PALISADES DRIVE OMAHA, NE 68136 | AFLAC | $18 | — | $18 | 0.01% |
| GINA WIEGAND3 | 5904 NORTHWEST 95TH COURT JOHNSTON, IA 50131 | AFLAC | $17 | — | $17 | 0.01% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $17 | — | $17 | 0.01% |
| JEAN MARIE JONES3 | 3623 DOUGLAS AVENUE DES MOINES, IA 50310 | AFLAC | $16 | — | $16 | 0.01% |
| MARK FRIEHE3 Filed as: MARK E FRIEHE | 11218 JOHN GALT BOULEVARD SUITE 101 OMAHA, NE 68137 | AFLAC | $15 | — | $15 | 0.01% |
| WILLIAM R ROBERTSON3 | PO BOX 118 BELDEN, MS 38826 | AFLAC | $15 | — | $15 | 0.01% |
| GERRIT J VIS3 | 1435 MAIN STREET PO BOX 86 ROCK VALLEY, IA 51247 | AFLAC | $14 | — | $14 | 0.01% |
| WILLIAM CLAY ARNOLD3 | 102 HOLLY COURT NATCHEZ, MS 39120 | AFLAC | $13 | — | $13 | 0.01% |
| LYNN M BARBIER3 | 2417 GRANT CIRCLE AMES, IA 50010 | AFLAC | $12 | — | $12 | 0.01% |
| MARY ANSTEY3 | 704 MONROE STREET CUMBERLAND, IA 50843 | AFLAC | $9 | — | $9 | 0.00% |
| DALE PHILLIPS3 | 20651 US HIGHWAY 65 PRINCETON, MO 64673 | AFLAC | $9 | — | $9 | 0.00% |
| STACEY LYN CASTELLANETA3 Filed as: STACEY SCHROCK | 3616 UNIVERSITY AVENUE APT 4 DES MOINES, IA 50311 | AFLAC | $9 | — | $9 | 0.00% |
| MERLE DALE HALL3 | 5500 WEST LAKE RIVER LANE BOISE, ID 83703 | AFLAC | $9 | — | $9 | 0.00% |
| JOHN D TYLER3 | 2131 KILEY WAY EDMOND, OK 73034 | AFLAC | $8 | — | $8 | 0.00% |
| CHARLES L TIPTON3 | 100 CAVVO APT E4 ARKADELPHIA, AR 71923 | AFLAC | $7 | — | $7 | 0.00% |
| JACQUELYN KIMBROUGH3 | 1680 BURR OAKS DRIVE WEST DES MOINES, IA 50266 | AFLAC | $6 | — | $6 | 0.00% |
| JAMES L HAYES3 | 1547 CEDAR SPRINGS COURT NORTH LIBERTY, IA 52317 | AFLAC | $5 | — | $5 | 0.00% |
| KELCEY KRINGS3 | 1330 PRAIRIE RIDGE DRIVE POLK CITY, IA 50226 | AFLAC | $5 | — | $5 | 0.00% |
| BECKY GIFFORD3 | 1022 WEST 1ST STREET BOONE, IA 50036 | AFLAC | $5 | — | $5 | 0.00% |
| TRAMPIS M PRESTON3 | 6844 BRISTLE BARK CT WENDELL, NC 27591 | AFLAC | $4 | — | $4 | 0.00% |
| MARK L DUNN3 | 2734 NORTH RETIREMENT LANE APARTMENT C BOISE, ID 83704 | AFLAC | $3 | — | $3 | 0.00% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $2 | — | $2 | 0.00% |
| PENNEY JEAN SMAARDYK3 | 2831 CEDAR HILLS LANE TWIN LAKE, MI 49457 | AFLAC | $2 | — | $2 | 0.00% |
| BRIAN T KRIEGER3 | 225 GLEN DRIVE IOWA FALLS, IA 50126 | AFLAC | $2 | — | $2 | 0.00% |
| RYAN BENEFITS INC3 Filed as: RYAN LODE | 608 FAIRVIEW STREET WALL LAKE, IA 51466 | AFLAC | $1 | — | $1 | 0.00% |
| MICHAEL SHANE KIRKLAND3 | 137 PLANTATION DRIVE KILLEN, AL 35645 | AFLAC | $1 | — | $1 | 0.00% |
| RANDALL M COOPER3 | 221 1ST STREET NORTHEAST SUITE C MOUNT VERNON, IA 52314 | AFLAC | $1 | — | $1 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: MORGAN GALLAGHER | 1440 SOUTHEAST BISHOP DRIVE APARTMENT 121 WAUKEE, IA 50263 | AFLAC | $1 | — | $1 | 0.00% |
| KERRY PARSONS3 Filed as: KERRY PICKARD | 8534 NORTH OVERLAND DRIVE KANSAS CITY, MO 64154 | AFLAC | $1 | — | $1 | 0.00% |
| KURT ROBERT BOGSETH3 | 1245 JORDAN CREEK PARKWAY SUITE 200 WEST DES MOINES, IA 50266 | NORTHWESTERN MUTUAL | $4K | $989 | $5K | 2.85% |
| JEFFREY BOES3 | 714 SIMON AVENUE CARROLL, IA 51401 | NORTHWESTERN MUTUAL | $2K | $481 | $2K | 1.50% |
| ERHARD FINANCIAL INC3 | 1245 JORDAN CREEK PARKWAY SUITE 200 W DES MOINES, IA 50266 | NORTHWESTERN MUTUAL | $1K | $131 | $1K | 0.77% |
| GROUP BENEFITS LTD3 Filed as: GROUP SERVICES LLC | 3066 VICTORIA STREET BETTENDORF, IA 52722 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 7.27% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 6830 COCHRAN ROAD SOLON, OH 44139 | STANDARD INSURANCE COMPANY | $430 | — | $430 | 1.00% |
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 | 478 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 492 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 489 | $43K |
| Short-term disability | AFLAC | 272 | $187K |
| Long-term disability | NORTHWESTERN MUTUAL | 485 | $159K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 316 | $420K |
| Other(2 contracts, 2 carriers) | ORRIANT | 489 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 489 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.