| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| N/A | — | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | — | — | $0 | 0.00% |
| N/A | — | DELTA DENTAL OF IOWA | — | — | $0 | 0.00% |
| N/A | — | EMC NATIONAL LIFE COMPANY | — | — | $0 | 0.00% |
| PAPE ALAN3 Filed as: PAPE RHONDA S | 115 E PLATT MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 7.13% |
| FIRST INSURANCE GROUP LLC3 Filed as: FIRST INSURANCE AGENCY | PO BOX 1448 MASON CITY, IA 50402 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $958 | — | $958 | 6.15% |
| PAPE DANE3 | 115 E PLATT MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $758 | — | $758 | 4.87% |
| PAPE ALAN3 Filed as: PAPE COLE M | 115 E PLATT MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $716 | — | $716 | 4.60% |
| PAPE ALAN3 | 115 E PLATT MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $306 | — | $306 | 1.97% |
| CRAIG KENNETH W3 | 4540 49TH PLACE DES MOINES, IA 50310 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28 | — | $28 | 0.18% |
| WING JESSE A3 | 115 E PLATT MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.08% |
| HOLMES MURPHY & ASSOCIATES Filed as: HOLMES, MURPHY AND ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | VISION SERVICE PLAN | $863 | — | $863 | 6.06% |
| RHONDA S PAPE3 Filed as: RHONDA PAPE | 115 E PLATT MAQUOKETA, IA 52060 | MANHATTAN LIFE ASSURANCE COMPANY OF AMERICA | $802 | — | $802 | 13.76% |
| DANE PAPE3 | 115 E PLATT MAQUOKETA, IA 52060 | MANHATTAN LIFE ASSURANCE COMPANY OF AMERICA | $512 | — | $512 | 8.78% |
| LOUIS BARBER3 Filed as: LOUIS C BARBER | 8592 CORDES CIRCLE GERMANTOWN, TN 381393317 | MANHATTAN LIFE ASSURANCE COMPANY OF AMERICA | $286 | — | $286 | 4.91% |
| COLE PAPE3 | 115 E PLATT MAQUOKETA, IA 52060 | MANHATTAN LIFE ASSURANCE COMPANY OF AMERICA | $286 | — | $286 | 4.91% |
| JESSE A WING3 Filed as: JESSE WING | 115 E PLATT MAQUOKETA, IA 52060 | MANHATTAN LIFE ASSURANCE COMPANY OF AMERICA | $32 | — | $32 | 0.55% |
| ALAN PAPE3 | 115 E PLATT MAQUOKETA, IA 52060 | MANHATTAN LIFE ASSURANCE COMPANY OF AMERICA | $31 | — | $31 | 0.53% |
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 | 133 | 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) | 133 | 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 | 133 | $1.4M |
| Dental | DELTA DENTAL OF IOWA | 73 | $40K |
| Vision | VISION SERVICE PLAN | 103 | $14K |
| Life insurance | EMC NATIONAL LIFE COMPANY | 132 | $25K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 32 | $16K |
| Stop-loss / reinsurancereinsurance | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 133 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.