| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARIE L FELLOWS3 | 1180 KENNEDY PKWY UNIT 208 CORALVILLE, IA 52241 | AFLAC | $4K | $168 | $4K | 3.30% |
| VARIOUS BROKERS 100 COMMISSIONS3 | DETAIL AVAILABLE UPON REQUEST NORTH LIBERTY, IA 52317 | AFLAC | $4K | $191 | $4K | 3.03% |
| JUDITH CARRILLO3 | 2646 HARRISON STREET OMAHA, NE 68147 | AFLAC | $2K | $74 | $3K | 1.93% |
| KRISTOPHER POWARS3 | 20190 SAINT JOSEPHS DR DURANGO, IA 52039 | AFLAC | $2K | — | $2K | 1.59% |
| BETTY G BRUNSVOLD3 Filed as: BETTY BRUNSVOLD | 802 S MILL ST LAKE MILLS, IA 50450 | AFLAC | $1K | $101 | $1K | 1.13% |
| LOREN MEYER3 | 2604 WEST EUCLID AVENUE INDIANOLA, IA 50125 | AFLAC | $1K | $24 | $1K | 1.12% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS INSURANCE INC | 465 NORTHLAND AVE NE SUITE 201 CEDAR RAPIDS, IA 52402 | AFLAC | $956 | $30 | $986 | 0.75% |
| MICHAEL BECK3 | 645 8TH ST N HUDSON, WI 54016 | AFLAC | $880 | — | $880 | 0.67% |
| SHARON R LUCARELLI3 Filed as: SHARON LUCARELLI | 12725 BENNINGTON COMMON LN SAINT LOUIS, MO 63146 | AFLAC | $785 | $21 | $806 | 0.61% |
| TYONIA N EGGERS3 | 607 ROSEWOOD AVE PAPILLION, NE 68133 | AFLAC | $755 | $26 | $781 | 0.59% |
| GAIL BARNARD3 | 1178 WADE ST HIGHLAND PARK, IL 60035 | AFLAC | $498 | $151 | $649 | 0.49% |
| RONALD E KIRKLAND3 Filed as: RONALD D BEDDINGFIELD | 132 N ENGLEWOOD DR ROCKY MOUNT, NC 27804 | AFLAC | $566 | $52 | $618 | 0.47% |
| ERIC SHATZ3 Filed as: ERIC M SHATZ | 10004 HARDY DRIVE OVERLAND PARK, KS 66212 | AFLAC | $554 | $57 | $611 | 0.46% |
| THE TODD GROUP3 | 602 MAIN ST STE 200 CEDAR FALLS, IA 50613 | AFLAC | $491 | $8 | $499 | 0.38% |
| MK SWAN INC3 | 6610 HARVEST DR PAPILLION, NE 68133 | AFLAC | $423 | $26 | $449 | 0.34% |
| CORY D NELSON3 | 215 HIGHWAY 965 NE STE 3 NORTH LIBERTY, IA 52317 | AFLAC | $406 | $35 | $441 | 0.33% |
| TERRELL & COMPANY INC3 | 5530 WEST PKWY STE 100 JOHNSTON, IA 50131 | AFLAC | $331 | $3 | $334 | 0.25% |
| REBEKAH N CHRIST3 Filed as: REBEKAH CHRIST | 1123 LAKE AVE STORM LAKE, IA 50588 | AFLAC | $327 | — | $327 | 0.25% |
| THE SHARON MILLER AGENCY LLC3 | PO BOX 15 BELMOND, IA 50421 | AFLAC | $302 | $20 | $322 | 0.24% |
| MARY ANN KELLER3 | 1930 28TH ST SW MINOT, ND 58701 | AFLAC | $316 | $4 | $320 | 0.24% |
| ELLIE PAPINEAU LLC3 | 2898 5TH AVE W DICKINSON, ND 58601 | AFLAC | $279 | $35 | $314 | 0.24% |
| GREGORY D JOURGENSEN3 Filed as: GREGORY JOURGENSEN | 6524 RIVERBEND RD CHEYENNE, WY 82001 | AFLAC | $264 | $44 | $308 | 0.23% |
| HEIDI BYKONEN3 | 2209 24TH ST W BILLINGS, MT 59102 | AFLAC | $234 | $37 | $271 | 0.21% |
| BRAD P LUFKIN3 Filed as: BRAD LUFKIN | 5530 WEST PKWY STE 500 JOHNSTON, IA 50131 | AFLAC | $244 | $10 | $254 | 0.19% |
| JONI S WOBORNY BUNKER3 Filed as: JONI WOBORNY BUNKER | 1837 VIRGINIA DR MANHATTAN, KS 66502 | AFLAC | $241 | — | $241 | 0.18% |
| KRINGS ENTERPRISES INC3 | 11116 AURORA AVE URBANDALE, IA 50322 | AFLAC | $217 | $10 | $227 | 0.17% |
| MELISSA J SELZLER3 | 206 5TH AVE W VELVA, ND 58790 | AFLAC | $194 | $31 | $225 | 0.17% |
| MONICA WHITE3 | 28876 DELTA AVE TREYNOR, IA 51575 | AFLAC | $224 | — | $224 | 0.17% |
| PHYLLIS D KIMBALL3 Filed as: PHYLLIS KIMBALL | 1103 ORCHARD DR CRESTON, IA 50801 | AFLAC | $186 | $29 | $215 | 0.16% |
| NANCY KINTZLE3 | 26201 212TH AVE DELHI, IA 52223 | AFLAC | $206 | — | $206 | 0.16% |
| DEREK MIZAUR3 | 860 MARISA RDG DUBUQUE, IA 52001 | AFLAC | $206 | — | $206 | 0.16% |
| SARA LANG3 | 460 CAMERON WAY APT 304 NORTH LIBERTY, IA 52317 | AFLAC | $191 | $6 | $197 | 0.15% |
| MATTHEW D BUTLER3 Filed as: MATTHEW BUTLER | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $188 | — | $188 | 0.14% |
| GERALD A GREENEN3 | 211 E ILLINOIS ST STE L3 WHEATON, IL 60187 | AFLAC | $155 | $30 | $185 | 0.14% |
| JEANNE T SCHWAB3 | 2655 MIDDLE RD DAVENPORT, IA 52803 | AFLAC | $132 | $42 | $174 | 0.13% |
| DONALD L BYCROFT3 | 3500 KEYMEER DR APT 1 DUBUQUE, IA 52002 | AFLAC | $160 | $13 | $173 | 0.13% |
| BETH ZADOW3 | 1300 7TH PL N CLEAR LAKE, IA 50428 | AFLAC | $162 | — | $162 | 0.12% |
| MICHAEL WARD3 | 10550 BARKLEY ST STE 203 OVERLAND PARK, KS 66212 | AFLAC | $124 | $11 | $135 | 0.10% |
| MARY E MINTON3 Filed as: MARY MINTON | 1344 S SEVILLE AVE WICHITA, KS 67209 | AFLAC | $126 | — | $126 | 0.10% |
| DONNA R WATSON3 Filed as: DONNA WATSON | 1225 E RIVER DR STE 315 DAVENPORT, IA 52803 | AFLAC | $105 | $8 | $113 | 0.09% |
| MICHAEL A PEDERSON3 Filed as: MICHAEL PEDERSON | 101 NORTH FARWELL ST STE 203 EAU CLAIRE, WI 54703 | AFLAC | $110 | $2 | $112 | 0.09% |
| PEAK INC3 | 1130 S BURR STE 300 PO BOX 514 MITCHELL, SD 57301 | AFLAC | $111 | — | $111 | 0.08% |
| BRYAN MURPHY3 | 2436 CRIPPLE CREEK DR SAINT LOUIS, MO 63129 | AFLAC | $109 | — | $109 | 0.08% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE SERVI | 215 N. MAIN ST. #800 DAVENPORT, IA 52801 | NATIONAL UNION FIRE | $3K | — | $3K | 5.56% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE SERVI | 800 MAIN STREET DUBUQUE, IA 52001 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $6K | — | $6K | 15.62% |
| RESERVE NATIONAL INSURANCE COMPANY3 | 601 E. BRITTON ROAD OKLAHOMA CITY, OK 73114 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 8.58% |
| BUTLER INSURANCE SERVICE INC3 | PO BOX 389 DUBUQUE, IA 52004 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 5.65% |
| BUTLER INSURANCE SERVICE INC3 | PO BOX 3310 DAVENPORT, IA 528083310 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 4.08% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE SERVI | PO BOX 28 DUBUQUE, IA 52004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE SERVI | PO BOX 28 DUBUQUE, IA 52004 | UNITED HEALTHCARE INSURANCE COMPANY | $315 | — | $315 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $214K |
| COTTINGHAM & BUTLER INS SRVCS INC EIN 42-0198040 BROKER | Other commissions Service code 55 | — | $34K |
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 | 369 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 372 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 460 | $3K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 443 | $26K |
| Life insurance(4 contracts, 4 carriers) | AFLAC | 363 | $185K |
| Other | NATIONAL UNION FIRE | 377 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 460 | — |
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.