| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| N/A | — | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $40K | — | $40K | 3.41% |
| AGENTS OF COLONIAL (SEE ATTACHED) Filed as: AGENTS INC | 331 COURT ST ROCKWELL CITY, IA 50579 | EMC NATIONAL LIFE COMPANY | $853 | — | $853 | 5.00% |
| COTTINGHAM & BUTLER Filed as: COTTINGHAM AND BUTLER INS SERVICES | 800 MAIN ST DUBUQUE, IA 52001 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $1K | $1K | $2K | 14.26% |
| COTTINGHAM & BUTLER Filed as: COTTINGHAM & BUTLER INC | PO BOX 28 DUBUQUE, IA 52004 | VSP | $944 | — | $944 | 8.37% |
| HOLMES MURPHY & ASSOCIATES Filed as: HOLMES, MURPHY & ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | VSP | $184 | — | $184 | 1.63% |
| INSGROUP INC Filed as: FIRST INS AGENCY INC | PO BOX 1448 MASON CITY, IA 50402 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $636 | — | $636 | 6.54% |
| RHONDA S PAPE Filed as: RHONDA PAPE | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $493 | — | $493 | 5.07% |
| DANE PAPE | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $355 | — | $355 | 3.65% |
| COLE PAPE | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $297 | — | $297 | 3.05% |
| FIAHC INC | PO BOX 1448 MASON CITY, IA 50402 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $81 | — | $81 | 0.83% |
| ALAN PAPE | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $75 | — | $75 | 0.77% |
| KENNETH CRAIG | 4540 49TH PLACE DES MOINES, IA 50310 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $38 | — | $38 | 0.39% |
| JESSE A WING Filed as: JESSE WING | 115 E PLATT MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | — | $18 | 0.18% |
| DANE PAPE | 115 E PLATT MAQUOKETA, IA 52060 | MANHATTAN LIFE ASSURANCE COMPANY OF AMERICA | $403 | — | $403 | 5.94% |
| RHONDA S PAPE Filed as: RHONDA PAPE | 115 E PLATT MAQUOKETA, IA 52060 | MANHATTAN LIFE ASSURANCE COMPANY OF AMERICA | $272 | — | $272 | 4.01% |
| LOUIS BARBER | 8592 CORDES CIRCLE GERMANTOWN, TN 381393317 | MANHATTAN LIFE ASSURANCE COMPANY OF AMERICA | $204 | — | $204 | 3.01% |
| FIRST INSURANCE GROUP LLC Filed as: FIRST INSURANCE AGENCY | 8209 FENTON ST 5 SILVER SPRING, MD 209105706 | MANHATTAN LIFE ASSURANCE COMPANY OF AMERICA | $148 | — | $148 | 2.18% |
| COLE PAPE | 115 E PLATT MAQUOKETA, IA 52060 | MANHATTAN LIFE ASSURANCE COMPANY OF AMERICA | $117 | — | $117 | 1.72% |
| JESSE A WING Filed as: JESSE WING | 115 E PLATT MAQUOKETA, IA 52060 | MANHATTAN LIFE ASSURANCE COMPANY OF AMERICA | $62 | — | $62 | 0.91% |
| ALAN PAPE | 115 E PLATT MAQUOKETA, IA 52060 | MANHATTAN LIFE ASSURANCE COMPANY OF AMERICA | $38 | — | $38 | 0.56% |
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 | 138 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 130 | $1.2M |
| Vision | VSP | 86 | $11K |
| Life insurance(2 contracts, 2 carriers) | EMC NATIONAL LIFE COMPANY | 141 | $34K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 21 | $10K |
| Long-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 21 | $10K |
| Stop-loss / reinsurancereinsurance | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 130 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.