| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VARIOUS BROKERS 100 COMMISSIONS3 | DETAIL AVAILABLE UPON REQUEST NORTH LIBERTY, IA 52317 | AFLAC | $3K | $83 | $3K | 2.87% |
| SARA LANG3 | PO BOX 232 TIFFIN, IA 52340 | AFLAC | $3K | $81 | $3K | 2.21% |
| MARIE L FELLOWS3 | 1180 KENNEDY PKWY APT 208 CORALVILLE, IA 52241 | AFLAC | $2K | $121 | $2K | 1.77% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS INSURANCE INC | 465 NORTHLAND AVE NE SUITE 201 CEDAR RAPIDS, IA 52402 | AFLAC | $2K | $53 | $2K | 1.67% |
| LOREN MEYER3 | 2604 WEST EUCLID AVENUE INDIANOLA, IA 50125 | AFLAC | $2K | $72 | $2K | 1.45% |
| SHARON R LUCARELLI3 | 12725 BENNINGTON COMMON LN SAINT LOUIS, MO 63146 | AFLAC | $1K | $30 | $1K | 1.16% |
| BETTY G BRUNSVOLD3 | 802 S MILL ST LAKE MILLS, IA 50450 | AFLAC | $1K | $43 | $1K | 1.04% |
| JOHN W BARNARD3 | 1178 WADE ST HIGHLAND PARK, IL 60035 | AFLAC | $1K | — | $1K | 0.91% |
| RONALD E KIRKLAND3 Filed as: RONALD D BEDDINGFIELD | 132 N ENGLEWOOD DR ROCKY MOUNT, NC 27804 | AFLAC | $862 | $37 | $899 | 0.75% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: CATHERINE A RIGGS | 314 HOWARD ST ALBURNETT, IA 52202 | AFLAC | $876 | — | $876 | 0.73% |
| CORY D NELSON3 | 215 HIGHWAY 965 NE STE 3 NORTH LIBERTY, IA 52317 | AFLAC | $815 | $41 | $856 | 0.72% |
| JUDITH CARRILLO3 | 2646 HARRISON STREET OMAHA, NE 68147 | AFLAC | $672 | $141 | $813 | 0.68% |
| LESHAWN SMITH3 | 155 33RD AVE SW APT C CEDAR RAPIDS, IA 52404 | AFLAC | $802 | — | $802 | 0.67% |
| SARA LANG3 | 460 CAMERON WAY APT 304 NORTH LIBERTY, IA 52317 | AFLAC | $796 | — | $796 | 0.67% |
| KRISTOPHER POWARS3 | 20190 SAINT JOSEPHS DR DURANGO, IA 52039 | AFLAC | $472 | $62 | $534 | 0.45% |
| TYONIA N EGGERS3 | 607 ROSEWOOD AVE PAPILLION, NE 68133 | AFLAC | $334 | $28 | $362 | 0.30% |
| MICHAEL WARD3 | 10550 BARKLEY ST STE 203 OVERLAND PARK, KS 66212 | AFLAC | $334 | — | $334 | 0.28% |
| TERRELL & COMPANY INC3 | 5530 WEST PKWY STE 100 JOHNSTON, IA 50131 | AFLAC | $299 | $22 | $321 | 0.27% |
| THE SHARON MILLER AGENCY LLC3 | PO BOX 15 BELMOND, IA 50421 | AFLAC | $229 | $9 | $238 | 0.20% |
| THE TODD GROUP3 | 602 MAIN ST STE 200 CEDAR FALLS, IA 50613 | AFLAC | $196 | $30 | $226 | 0.19% |
| AMANDA JACKSON3 Filed as: AMANDA JENINE JACKSON | 1465 ROUGHRIDER BLVD APT D302 DICKINSON, ND 58601 | AFLAC | $219 | — | $219 | 0.18% |
| DEREK MIZAUR3 | 860 MARISA RDG DUBUQUE, IA 52001 | AFLAC | $207 | — | $207 | 0.17% |
| NANCY KINTZLE3 | 26201 212TH AVE DELHI, IA 52223 | AFLAC | $204 | — | $204 | 0.17% |
| MONICA WHITE3 | 28876 DELTA AVE TREYNOR, IA 51575 | AFLAC | $197 | — | $197 | 0.17% |
| GERALD A GREENEN3 | 1212 S NAPER BLVD STE 119-190 NAPERVILLE, IL 60540 | AFLAC | $192 | — | $192 | 0.16% |
| KERSTIN E COLEMAN3 | 3812 SABRE LN WILSON, NC 27896 | AFLAC | $171 | $7 | $178 | 0.15% |
| CATHERINE M AULBACH3 | 11116 S TOWNE SQ SAINT LOUIS, MO 63123 | AFLAC | $170 | $6 | $176 | 0.15% |
| MK SWAN INC3 | 6610 HARVEST DR PAPILLION, NE 68133 | AFLAC | $144 | $28 | $172 | 0.14% |
| CATHY A BEST3 | 4604 31ST AVE MOLINE, IL 61265 | AFLAC | $168 | — | $168 | 0.14% |
| KACY A GRUENKEMEYER3 | 177 RICHLAND HILLS DR MANCHESTER, TN 37355 | AFLAC | $160 | — | $160 | 0.13% |
| MICHAEL BECK3 | 645 8TH ST N HUDSON, WI 54016 | AFLAC | $92 | $49 | $141 | 0.12% |
| KENNETH M RYAN3 | 10550 BARKLEY ST STE 203 OVERLAND PARK, KS 66212 | AFLAC | $138 | — | $138 | 0.12% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $137 | — | $137 | 0.11% |
| BETH ZADOW3 | 1300 7TH PL N CLEAR LAKE, IA 50428 | AFLAC | $135 | — | $135 | 0.11% |
| JONI S WOBORNY BUNKER3 | 1837 VIRGINIA DR MANHATTAN, KS 66502 | AFLAC | $122 | — | $122 | 0.10% |
| BETTY L WALKER-COWAN3 | 216 E MAPLE AVE OTTUMWA, IA 52501 | AFLAC | $109 | $11 | $120 | 0.10% |
| BRYAN MURPHY3 Filed as: BRYAN J MURPHY | 2436 CRIPPLE CREEK DR SAINT LOUIS, MO 63129 | AFLAC | $115 | — | $115 | 0.10% |
| GREGORY D JOURGENSEN3 | 6524 RIVERBEND RD CHEYENNE, WY 82001 | AFLAC | $96 | $17 | $113 | 0.09% |
| MARY E MINTON3 | 24230 W 61ST ST N ANDALE, KS 67001 | AFLAC | $111 | — | $111 | 0.09% |
| STEVEN G JOHNSON3 | 35989 HIGHWAY 69 STE C FOREST CITY, IA 50436 | AFLAC | $107 | — | $107 | 0.09% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE SERVI | 215 N. MAIN ST. #800 DAVENPORT, IA 52801 | NATIONAL UNION FIRE | $4K | — | $4K | 5.00% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE SERVI | 800 MAIN STREET DUBUQUE, IA 52001 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $7K | — | $7K | 14.59% |
| RESERVE NATIONAL INSURANCE COMPANY3 | 601 E. BRITTON ROAD OKLAHOMA CITY, OK 73114 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 8.32% |
| BUTLER INSURANCE SERVICE INC3 | PO BOX 389 DUBUQUE, IA 52004 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 6.05% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE SERVI | PO BOX 28 DUBUQUE, IA 52004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $351 | $2K | 12.16% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $261K |
| COTTINGHAM & BUTLER INS SRVCS INC EIN 42-0198040 BROKER | Other commissions Service code 55 | — | $43K |
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 | 491 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 492 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 561 | $30K |
| Life insurance(4 contracts, 4 carriers) | AFLAC | 679 | $185K |
| Other | NATIONAL UNION FIRE | 509 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 679 | — |
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.