| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KIRK E. SAMPSON3 | 1480 NORTHRIDGE DRIVE CHEROKKE, IA 51012 | AFLAC | $14K | $811 | $14K | 17.80% |
| JULIE A MANN3 | 5001 SERGEANT ROAD, SUITE 50 SIOUX CITY, IA 51106 | AFLAC | $2K | $145 | $3K | 3.27% |
| MJ INSURANCE3 Filed as: GERRIT J. VIS AND VARIOUS AGENTS | 1435 MAIN STREET ROCK VALLEY, IA 51247 | AFLAC | $744 | $0 | $744 | 0.92% |
| ALISSA KUYPER3 | 202 EAST LINCOLN STREET ELK POINT, SD 57025 | AFLAC | $613 | $0 | $613 | 0.76% |
| THERESA WILLIAMS JONES3 | 125 CLIFFVIEW DRIVE QUITMAN, AR 72131 | AFLAC | $454 | $0 | $454 | 0.56% |
| TYONIA N EGGERS Filed as: TYONIA N. EGGERS | 102 BASS STREET STORM LAKE, IA 50588 | AFLAC | $181 | $0 | $181 | 0.22% |
| MICAH VIS3 Filed as: MICAH J. VIS | 1435 MAIN STREET ROCK VALLEY, IA 51247 | AFLAC | $148 | $0 | $148 | 0.18% |
| LOCKTON COMPANIES, LLC3 | 3 CITYPLACE DRIVE SUITE 900 SAINT LOUIS, MO 63141 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 13.65% |
| LOCKTON COMPANIES, LLC3 | 6000 FELDWOOD ROAD COLLEGE PARK, GA 30349 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.42% |
| LOCKTON COMPANIES, LLC3 | 3 CITYPLACE DR SUITE 900 SAINT LOUIS, MO 63141 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $797 | $0 | $797 | 10.00% |
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 | 118 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 118 | $9K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 209 | $8K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $41K |
| Short-term disability | AFLAC | 52 | $81K |
| Other(2 contracts, 2 carriers) | AFLAC | 118 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.