| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | UNKNOWN HOSPERS, IA 51238 | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | $50K | $0 | $50K | 0.99% |
| VAN ENGELENHOVEN AGENCY INC3 Filed as: VAN ENGELENHOVEN AGENCY, INC. | 122 CENTRAL AVENUE SW ORANGE CITY, IA 51041 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 9.71% |
| ARTHUR VANDER WILT3 Filed as: ARTHUR VANDERWILT | PO BOX 248 SHELDON, IA 51201 | AFLAC | $6K | $123 | $6K | 8.11% |
| MJ INSURANCE3 Filed as: TESS M. BRANT AND VARIOUS AGENTS | 1509 EAST 18TH STREET SPENCER, IA 51301 | AFLAC | $2K | $35 | $2K | 2.22% |
| STEVEN L. VONK3 | 1602 10TH STREET ROCK VALLEY, IA 51301 | AFLAC | $2K | $0 | $2K | 2.09% |
| AMY HANSEN & ASSOCIATES, INC.3 | PO BOX 406 SPENCER, IA 51301 | AFLAC | $725 | $4 | $729 | 0.96% |
| MARK E. FREIHE3 | 8484 WEST CENTER ROAD, SUITE 112 OMAHA, NE 51301 | AFLAC | $573 | $0 | $573 | 0.75% |
| TYONIA N EGGERS3 Filed as: TYONIA N. EGGERS | 102 BASS SREET STORM LAKE, IA 50588 | AFLAC | $508 | $31 | $539 | 0.71% |
| VAN ENGELENHOVEN AGENCY INC3 Filed as: VAN ENGELENHOVEN AGENCY, INC. | 122 CENTRAL AVENUE SW ORANGE CITY, IA 51041 | AFLAC | $530 | $0 | $530 | 0.70% |
| SELECT NETWORKS3 | 317TH 6TH AVENUE, SUITE 1440 DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $6K | $0 | $6K | 11.00% |
| VONK INSURANCE AGENCY4 | 1602 10TH STREET ROCK VALLEY, IA 51247 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $127 | $0 | $127 | 7.59% |
| VAN ENGELENHOVEN AGENCY INC4 Filed as: VAN ENGELENHOVEN AGENCY, INC. | 122 CENTRAL AVENUE SW ORANGE CITY, IA 51041 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $98 | $0 | $98 | 5.85% |
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 | 326 | 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) | 327 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | 275 | $5.0M |
| Dental | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | 275 | $5.0M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 494 | $54K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 477 | $90K |
| Prescription drug | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | 275 | $5.0M |
| Other(3 contracts, 3 carriers) | AFLAC | 326 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 494 | — |
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.
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.