| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $30K | $0 | $30K | 1.79% |
| KIRK E SAMPSON3 Filed as: KIRK E. SAMPSON | 1480 NORTHRIDGE DRIVE CHEROKEE, IA 51012 | AFLAC | $12K | $615 | $13K | 18.10% |
| JULIE A MANN3 Filed as: JULIE A. MANN | 5001 SERGEANT ROAD, SUITE 50 SIOUX CITY, IA 51106 | AFLAC | $3K | $88 | $3K | 4.67% |
| TAMMY ZEMLER3 Filed as: TAMMY ZEMLER AND OTHER AGENTS | PO BOX 473 SPIRIT LAKE, IA 51360 | AFLAC | $741 | $0 | $741 | 1.04% |
| TYONIA N EGGERS3 Filed as: TYONIA N. EGGERS | 102 BASS STREET STORM LAKE, IA 50588 | AFLAC | $352 | $34 | $386 | 0.54% |
| THERESA WILLIAMS JONES3 | 125 CLIFFVIEW DRIVE QUITMAN, AR 72131 | AFLAC | $374 | $0 | $374 | 0.52% |
| MICAH VIS3 Filed as: MICAH J. VIS | 1435 MAIN STREET ROCK VALLEY, IA 51247 | AFLAC | $153 | $0 | $153 | 0.21% |
| GERRIT J VIS3 Filed as: GERRIT J. VIS | 1435 MAIN STREET ROCK VALLEY, IA 51247 | AFLAC | $125 | $0 | $125 | 0.17% |
| LOCKTON COMPANIES, LLC3 | 6000 FELDWOOD ROAD COLLEGE PARK, GA 30349 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $7K | 16.88% |
| LOCKTON COMPANIES, LLC5 | 1200 SW 145TH AVENUE, SUITE 140A PEMBROKE PINES, FL 33027 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| WELLMARK INC5 Filed as: WELLMARK, INC. | 1331 GRAND AVENUE DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | -$1 | — | -$1 | -0.01% |
| LOCKTON COMPANIES, LLC3 | 1200 SW 145TH AVENUE PEMBROKE PINES, FL 33027 | DELTA DENTAL OF IOWA | $4K | $0 | $4K | — |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | DELTA DENTAL OF IOWA | $0 | $616 | $616 | — |
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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | 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 |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 104 | $1.7M |
| Dental | DELTA DENTAL OF IOWA | 93 | $0 |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 209 | $13K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $40K |
| Short-term disability | AFLAC | 52 | $72K |
| Prescription drug | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 104 | $1.7M |
| Other(2 contracts, 2 carriers) | AFLAC | 117 | $112K |
| 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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.