| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VAN ENGELENHOVEN AGENCY INC3 Filed as: VAN ENGELENHOVEN AGENCY, INC. | 122 CENTRAL AVENUE SW ORANGE CITY, IA 51041 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $47K | $0 | $47K | 1.04% |
| 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 | 9.66% |
| ARTHUR VANDER WILT3 Filed as: ARTHUR VANDERWILT | PO BOX 248 SHELDON, IA 51201 | AFLAC | $4K | $227 | $4K | 5.91% |
| MJ INSURANCE3 Filed as: TESS BRANT & VARIOUS AGENTS | 1509 EAST 18TH STREET SPENCER, IA 51301 | AFLAC | $2K | $36 | $2K | 2.29% |
| STEVEN L. VONK3 Filed as: STEVEN VONK | 1602 10TH STREET ROCK VALLEY, IA 51247 | AFLAC | $1K | $0 | $1K | 2.15% |
| MARK FRIEHE3 | 11329 P STREET, SUITE 120 OMAHA, NE 68137 | AFLAC | $539 | $0 | $539 | 0.78% |
| VAN ENGELENHOVEN AGENCY INC3 Filed as: VAN ENGELENHOVEN AGENCY, INC. | 122 CENTRAL AVENUE SW ORANGE CITY, IA 51041 | AFLAC | $489 | $0 | $489 | 0.71% |
| AMY HANSEN & ASSOCIATES, INC.3 | PO BOX 406 SPENCER, IA 51301 | AFLAC | $409 | $36 | $445 | 0.64% |
| JANE POTTEBAUM3 | 19258 HAWTHORNE AVENUE CARROLL, IA 51401 | AFLAC | $255 | $0 | $255 | 0.37% |
| WELLMARK INC3 Filed as: WELLMARK, INC. | 1331 GRAND AVENUE DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $193 | $0 | $193 | 0.40% |
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 | 356 | 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) | 356 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 246 | $4.5M |
| Dental | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 246 | $4.5M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 484 | $48K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 356 | $92K |
| Prescription drug | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 246 | $4.5M |
| Other(2 contracts, 2 carriers) | AFLAC | 298 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 484 | — |
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.