| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVIDSON BENEFITS PLANNING LLC3 Filed as: DAVIDSON BENF PLANNING AN ALER | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | SYMETRA LIFE INSURANCE COMPANY | — | $4K | $4K | 0.56% |
| KURT ROBERT BOGSETH3 | 1245 JORDAN CREEK PKWY SUITE 200 W DES MOINES, IA 50266 | NORTHWESTERN MUTUAL | $4K | $1K | $5K | 2.04% |
| JEFFREY BOES3 | 714 SIMON AVE CARROLL, IA 51401 | NORTHWESTERN MUTUAL | $2K | $586 | $3K | 1.10% |
| ERHARD FINANCIAL INC3 | 1245 JORDAN CREEK PKWY SUITE 200 W DES MOINES, IA 50266 | NORTHWESTERN MUTUAL | $1K | $159 | $1K | 0.56% |
| LUKE J WITTROCK3 | PO BOX 701 BOONE, IA 50036 | AFLAC | $19K | $58 | $19K | 7.59% |
| MONIKA M ARENDS3 | 1912 XIRCUS AVE WILLIAMS, IA 50271 | AFLAC | $3K | $24 | $3K | 1.13% |
| SAMANTHA MORRIS3 | 1215 GROVE ST ADEL, IA 50003 | AFLAC | $3K | $14 | $3K | 1.07% |
| MARY M GRUNDMEIER3 | 1825 N CARROLL ST CARROLL, IA 51401 | AFLAC | $2K | — | $2K | 0.80% |
| CHRISTOPHER HAGER3 Filed as: CHRISTOPHER CUNDIFF | 1411 S 7TH ST ADEL, IA 50003 | AFLAC | $2K | — | $2K | 0.78% |
| SKYLAR D BERDAUS3 | 1100 1ST AVE N APT 23 FORT DODGE, IA 50501 | AFLAC | $2K | — | $2K | 0.73% |
| JULIE D DEVINE INC3 | 1105 S 15TH ST CLEAR LAKE, IA 50428 | AFLAC | $1K | — | $1K | 0.47% |
| MINDY SKIDMORE LLC3 | 2301 BURLINGTON ST STE 200 NORTH KANSAS CITY, MO 64116 | AFLAC | $1K | $42 | $1K | 0.42% |
| KELCEY KRINGS3 | 5600 S 59TH ST STE 202 LINCOLN, NE 68516 | AFLAC | $945 | — | $945 | 0.37% |
| LISA ZBYLUT3 | 11907 TIMBERRIDGE DR PAPILLION, NE 68133 | AFLAC | $892 | — | $892 | 0.35% |
| BARBARA WITTROCK3 | PO BOX 701 BOONE, IA 50036 | AFLAC | $754 | — | $754 | 0.29% |
| JANE W BARNHILL3 Filed as: JANE M POTTEBAUM | 19258 HAWTHORNE AVE CARROLL, IA 51401 | AFLAC | $695 | — | $695 | 0.27% |
| MARVIN A WITTROCK3 | PO BOX 701 515 MARSHALL ST BOONE, IA 50036 | AFLAC | $484 | — | $484 | 0.19% |
| JOSHUA D TERRELL3 | 812 VENETIAN ISLES DR APT 1 LAKE PARK, FL 33403 | AFLAC | $466 | — | $466 | 0.18% |
| HOWARD EATON3 | 3141 PRAIRIE ROSE DR NORWALK, IA 50211 | AFLAC | $405 | — | $405 | 0.16% |
| BRAD P LUFKIN3 | 5530 WEST PKWY STE 500 JOHNSTON, IA 50131 | AFLAC | $398 | — | $398 | 0.16% |
| STEVEN G JOHNSON3 | 35989 HIGHWAY 69 STE C FOREST CITY, IA 50436 | AFLAC | $381 | — | $381 | 0.15% |
| THERESA WILLIAMS JONES3 | 125 CLIFFVIEW DR QUITMAN, AR 72131 | AFLAC | $363 | — | $363 | 0.14% |
| WILLIAM G CASWELL3 | 1387 NW 137TH CT CLIVE, IA 50325 | AFLAC | $348 | — | $348 | 0.14% |
| LOREN E MEYER3 | 2604 W EUCLID AVE INDIANOLA, IA 50125 | AFLAC | $338 | — | $338 | 0.13% |
| THE TODD GROUP3 | 4409 BLAIR RIDGE RD CEDAR FALLS, IA 50613 | AFLAC | $334 | — | $334 | 0.13% |
| GINA WIEGAND3 Filed as: GINA WIEGAND INC | 20379 TWIN PINES DR EARLHAM, IA 50072 | AFLAC | $311 | $9 | $320 | 0.13% |
| JANA L MOHS3 | 1995 COUNTRY CLUB BLVD CLIVE, IA 50325 | AFLAC | $303 | — | $303 | 0.12% |
| TARA MICHELLE D AGOSTINO3 Filed as: TARA K STUDER | PO BOX 104 ROCKWELL, IA 50469 | AFLAC | $295 | — | $295 | 0.12% |
| JAY R BROWER3 | PO BOX 412 HAMPTON, IA 50441 | AFLAC | $292 | — | $292 | 0.11% |
| TYONIA N EGGERS3 | 102 BASS ST STORM LAKE, IA 50588 | AFLAC | $291 | — | $291 | 0.11% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $280 | — | $280 | 0.11% |
| KACY A GRUENKEMEYER3 | 558 CLINGMANS LN CHATTANOOGA, TN 37419 | AFLAC | $260 | — | $260 | 0.10% |
| TARA STUDER & ASSOCIATES3 | PO BOX 104 ROCKWELL, IA 50469 | AFLAC | $254 | — | $254 | 0.10% |
| BETH ZADOW3 | 1300 7TH PL N CLEAR LAKE, IA 50428 | AFLAC | $232 | — | $232 | 0.09% |
| COURNISA N WILSON3 | PO BOX 655 SLATER, IA 50244 | AFLAC | $226 | — | $226 | 0.09% |
| AMY E COHEN3 Filed as: AMY J RENZE | 23121 215TH ST CARROLL, IA 51401 | AFLAC | $225 | — | $225 | 0.09% |
| GINA WIEGAND3 | 20379 TWIN PINES DR EARLHAM, IA 50072 | AFLAC | $219 | — | $219 | 0.09% |
| ERIC JASON WILLIAMS3 | 2907 DALLAS DR CEDAR FALLS, IA 50613 | AFLAC | $198 | — | $198 | 0.08% |
| AMY HANSEN & ASSOCIATES, INC.3 Filed as: AMY HANSEN & ASSOCIATES INC | PO BOX 406 SPENCER, IA 51301 | AFLAC | $181 | — | $181 | 0.07% |
| SCOTT R FRITCHER3 | 212 NW SUNSET LN GRIMES, IA 50111 | AFLAC | $176 | — | $176 | 0.07% |
| ORVILLE W LUEDTKE3 | 13731 HICKMAN RD UNIT 4106 URBANDALE, IA 50323 | AFLAC | $170 | — | $170 | 0.07% |
| CHRISTI LANE FARNAN3 | 11193 CLUB VIEW DR SAINT JOSEPH, MO 64505 | AFLAC | $157 | $10 | $167 | 0.07% |
| DON ARMSTRONG3 | 12834 W CASTLEBER DRIVE SUN CITY WEST, AZ 85375 | AFLAC | $137 | — | $137 | 0.05% |
| SHAWN LARIE MANION3 | 1015 5TH AVE N APT 103 FORT DODGE, IA 50501 | AFLAC | $126 | — | $126 | 0.05% |
| BARRY CAMPBELL3 | 2798 COUNTY ROAD 80 ALGER, OH 45812 | AFLAC | $125 | — | $125 | 0.05% |
| MICHAEL D SCHULTZ3 | 1126 25TH AVE NW FARIBAULT, MN 55021 | AFLAC | $121 | — | $121 | 0.05% |
| KIM I THROCKMORTON3 | 9505 CHAD COLLEY BLVD APT 2215 FORT SMITH, AR 72916 | AFLAC | $119 | — | $119 | 0.05% |
| RONALD L HOVICK3 | 2214 SW 43RD TER CAPE CORAL, FL 33914 | AFLAC | $117 | — | $117 | 0.05% |
| EDWARD C BIEHN3 | 1534 HANCOCK DR BOONE, IA 50036 | AFLAC | $115 | — | $115 | 0.04% |
| JOELLEN K KORLESKI3 | 4670 N SHORE DR CLEAR LAKE, IA 50428 | AFLAC | $113 | — | $113 | 0.04% |
| SUSAN M PRAUL3 | 3461 29TH ST BETTENDORF, IA 52722 | AFLAC | $105 | — | $105 | 0.04% |
| BRENT C STANKEE3 | PO BOX 203 WHEATLAND, IA 52777 | AFLAC | $103 | — | $103 | 0.04% |
| PHYLLIS D KIMBALL3 | 1103 ORCHARD DR CRESTON, IA 50801 | AFLAC | $99 | — | $99 | 0.04% |
| LINDA LYON3 | 726 POCAHONTAS LN OTTUMWA, IA 52501 | AFLAC | $71 | — | $71 | 0.03% |
| RITA A FOUBERT3 | 204 MALLARD POINTE DR NW BONDURANT, IA 50035 | AFLAC | $67 | — | $67 | 0.03% |
| BETTY L WALKER-COWAN3 | 216 E MAPLE AVE OTTUMWA, IA 52501 | AFLAC | $56 | — | $56 | 0.02% |
| EILEEN M BIEHN3 | 1534 HANCOCK DR BOONE, IA 50036 | AFLAC | $53 | — | $53 | 0.02% |
| CHARLOTTE A THORSON3 | 1501 ROOSEVELT DRIVE ATLANTIC, IA 50022 | AFLAC | $53 | — | $53 | 0.02% |
| RICHARD R KIMBROUGH3 | 9505 CHAD COLLEY BLVD UNIT 3804 FORT SMITH, AR 72916 | AFLAC | $52 | — | $52 | 0.02% |
| MITCHELL J MCCALL3 | 3 STONERIDGE DR KEOKUK, IA 52632 | AFLAC | $51 | — | $51 | 0.02% |
| NICOLA R BLOSS3 | 600 SW WHITETAIL DR OAK GROVE, MO 64075 | AFLAC | $47 | — | $47 | 0.02% |
| ROBERT E MOSLEY SR3 | 1131 INDEPENDENCE AVE WATERLOO, IA 50703 | AFLAC | $43 | — | $43 | 0.02% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOC LLC | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | AFLAC | $43 | — | $43 | 0.02% |
| MAURINE S DUSENBERY3 | 4169 E BRAE VOE WAY SAN TAN VALLEY, AZ 85140 | AFLAC | $43 | — | $43 | 0.02% |
| JANE W BARNHILL3 | 536 DOVEFIELD DR INDIAN TRAIL, NC 28079 | AFLAC | $42 | — | $42 | 0.02% |
| HEATHER D SWANSON3 | 115 SE BAYTREE DR WAUKEE, IA 50263 | AFLAC | $41 | — | $41 | 0.02% |
| ROBIN D YOUNG3 | 305 SHEFFIELD DR LAKEVIEW, AR 72642 | AFLAC | $41 | — | $41 | 0.02% |
| DARRELL E RUSSELL3 | 8676 W 96TH ST STE 100 OVERLAND PARK, KS 66212 | AFLAC | $37 | — | $37 | 0.01% |
| BERNARD J BRAZEAU3 | 6705 GRIMES ST INDIANOLA, IA 50125 | AFLAC | $34 | — | $34 | 0.01% |
| MICHELLE ALBEA3 | 11909 S 34TH ST BELLEVUE, NE 68123 | AFLAC | $32 | — | $32 | 0.01% |
| JOHN S SANDOR3 | 1497 DENALI DR MARION, IA 52302 | AFLAC | $32 | — | $32 | 0.01% |
| STEPHEN FRANKL3 | 3225 SUMMERS LANE PORT WASHINGTON, WI 53074 | AFLAC | $28 | — | $28 | 0.01% |
| CONNIE J CARTER3 | 2455 OLSEN AVE WEBSTER CITY, IA 50595 | AFLAC | $27 | — | $27 | 0.01% |
| JONNELL P ACKELSON3 | 31250 N AVE ADEL, IA 50003 | AFLAC | $27 | — | $27 | 0.01% |
| AUSTIN J PETERSON3 | 11116 AURORA AVE URBANDALE, IA 50322 | AFLAC | $27 | — | $27 | 0.01% |
| ASHLEE NICHOLE ADAMS3 | 31250 N AVE ADEL, IA 50003 | AFLAC | $26 | — | $26 | 0.01% |
| JOAN M MCCORMICK3 | 12042 S ELK RUN TRAVERSE CITY, MI 49684 | AFLAC | $24 | — | $24 | 0.01% |
| MICHAEL N MALLBERG3 | 1102 CASSIDY CURV ADEL, IA 50003 | AFLAC | $23 | — | $23 | 0.01% |
| MICHAEL E SHANE3 | 5420 TENNESSEE ST AMES, IA 50014 | AFLAC | $23 | — | $23 | 0.01% |
| JAMES A SMAARDYK3 | 3972 HOLLIS AVE PORT CHARLOTTE, FL 33953 | AFLAC | $21 | — | $21 | 0.01% |
| ROBERT BALL3 Filed as: ROBERT J BALL | PO BOX 336386 GREELEY, CO 80633 | AFLAC | $20 | — | $20 | 0.01% |
| MITCHELL FRIEHE & ASSOCIATES INC3 | 16909 PALISADES DR OMAHA, NE 68136 | AFLAC | $19 | — | $19 | 0.01% |
| JEAN MARIE JONES3 | 2025 E GRAND AVE DES MOINES, IA 50317 | AFLAC | $19 | — | $19 | 0.01% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $18 | — | $18 | 0.01% |
| MARK FRIEHE3 Filed as: MARK E FRIEHE | 8404 W CENTER RD STE 112 OMAHA, NE 68124 | AFLAC | $16 | — | $16 | 0.01% |
| VIRGINIA A HOVICK3 | 2214 SW 43RD TER CAPE CORAL, FL 33914 | AFLAC | $16 | — | $16 | 0.01% |
| THEODORE W HONKE3 | 29478 US HIGHWAY 281 LAKE ANDES, SD 57356 | AFLAC | $14 | — | $14 | 0.01% |
| FMC ENTERPRISES INC3 | PO BOX 220 FOLEY, AL 36536 | AFLAC | $13 | — | $13 | 0.01% |
| DANIEL L FRENCH3 | 240 43RD AVE GREELEY, CO 80634 | AFLAC | $10 | — | $10 | 0.00% |
| JEFFREY R STAUFFER3 | 2190 CANTERBURY DR MECHANICSBURG, PA 17055 | AFLAC | $10 | — | $10 | 0.00% |
| FRANKLIN L NORRIS3 | PO BOX 528 SHEFFIELD, IA 50475 | AFLAC | $10 | — | $10 | 0.00% |
| MARY ANSTEY3 | 704 MONROE ST CUMBERLAND, IA 50843 | AFLAC | $9 | — | $9 | 0.00% |
| JULIE A MANN3 | 5001 SERGEANT RD STE 50 SIOUX CITY, IA 51106 | AFLAC | $8 | — | $8 | 0.00% |
| LYNN M BARBIER3 | 3414 HONEYSUCKLE RD AMES, IA 50014 | AFLAC | $8 | — | $8 | 0.00% |
| ZACH CORPORATION3 | 3022 AIRPORT BLVD WATERLOO, IA 50703 | AFLAC | $8 | — | $8 | 0.00% |
| STACEY LYN CASTELLANETA3 Filed as: STACEY SCHROCK | 3616 UNIVERSITY AVE APT 4 DES MOINES, IA 50311 | AFLAC | $6 | — | $6 | 0.00% |
| KORY K ELLERBECK3 | 8610 EP TRUE PKWY UNIT 13009 WEST DES MOINES, IA 50266 | AFLAC | $6 | — | $6 | 0.00% |
| KELCEY KRINGS3 | 1330 PRAIRIE RIDGE DR POLK CITY, IA 50226 | AFLAC | $6 | — | $6 | 0.00% |
| JOHN P THOMPSON3 | 6395 S KEWAUNEE WAY STE 425 AURORA, CO 80016 | AFLAC | $5 | — | $5 | 0.00% |
| WENDI ELAINE BEHRENS3 | 115 N WEST ST CARROLL, IA 51401 | AFLAC | $4 | — | $4 | 0.00% |
| JACQUELYN KIMBROUGH3 | PO BOX 568 CARLISLE, IA 50047 | AFLAC | $4 | — | $4 | 0.00% |
| JACQUELYN KIMBROUGH3 | PO BOX 568 CARLISLE, IA 50047 | AFLAC | $4 | — | $4 | 0.00% |
| GERRIT J VIS3 | PO BOX 86 1435 MAIN ST ROCK VALLEY, IA 51247 | AFLAC | $3 | — | $3 | 0.00% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SERVICES LLC | 3022 AIRPORT BLVD WATERLOO, IA 50703 | AFLAC | $2 | — | $2 | 0.00% |
| JAMES L HAYES3 | 1547 CEDAR SPRINGS CT NORTH LIBERTY, IA 52317 | AFLAC | $2 | — | $2 | 0.00% |
| MARK L DUNN3 | 2734 N RETIREMENT LN APT C BOISE, ID 83704 | AFLAC | $2 | — | $2 | 0.00% |
| JUSTIN GRIFFEY3 | 7 MICHELE DR CARLISLE, PA 17013 | AFLAC | $2 | — | $2 | 0.00% |
| WILLIAM R ROBERTSON3 | PO BOX 118 BELDEN, MS 38826 | AFLAC | $2 | — | $2 | 0.00% |
| TYONIA EGGERS INC3 | 102 BASS ST STORM LAKE, IA 50588 | AFLAC | $2 | — | $2 | 0.00% |
| PENNEY JEAN SMAARDYK3 | 157 LONG MEADOW LN ROTONDA WEST, FL 33947 | AFLAC | $2 | — | $2 | 0.00% |
| ANTHONY S ALMODOVAR3 | 3605 VARTAN WAY STE 304 HARRISBURG, PA 17110 | AFLAC | $1 | — | $1 | 0.00% |
| RANDALL M COOPER3 | 221 1ST ST NE STE C MOUNT VERNON, IA 52314 | AFLAC | $1 | — | $1 | 0.00% |
| LAWRENCE A ELMORE3 | PO BOX 244 MORRISON, CO 80465 | AFLAC | $1 | — | $1 | 0.00% |
| RYAN BENEFITS INC3 Filed as: RYAN LODE | 608 FAIRVIEW ST WALL LAKE, IA 51466 | AFLAC | $1 | — | $1 | 0.00% |
| KERRY PARSONS3 Filed as: KERRY PICKARD | 8534 N OVERLAND DR KANSAS CITY, MO 64154 | AFLAC | $1 | — | $1 | 0.00% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 5.60% |
| GROUP BENEFITS LTD3 Filed as: GROUP SERVICES LLC | 3066 VICTORIA ST BETTENDORF, IA 52722 | STANDARD INSURANCE COMPANY | — | $529 | $529 | 0.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM RX INC. EIN 33-0441200 PHARMACY BENEFIT MGMT | Direct payment from the plan; Float revenue; Claims processing; Other fees Service code 12 | — | $1.3M |
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 | 426 | 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) | 440 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 611 | $54K |
| Short-term disability | AFLAC | 361 | $256K |
| Long-term disability | NORTHWESTERN MUTUAL | 621 | $265K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 416 | $639K |
| Other(2 contracts, 2 carriers) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 417 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 621 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.