| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: AVANT/HOLMES MURPHY | — | GRANULAR INSURANCE COMPANY | $18K | — | $18K | 5.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, LLC | 7047 EAST GREENWAY PARKWAY SUITE 210 SCOTTSDALE, AZ 85254 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 10.83% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, LLC | 7047 EAST GREENWAY PARKWAY SUITE 210 SCOTTSDALE, AZ 85254 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| RHONDA S PAPE3 Filed as: RHONDA PAPE | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | TRANSAMERICA | $210 | — | $210 | 1.20% |
| DANE PAPE3 Filed as: DANE A PAPE | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | TRANSAMERICA | $193 | — | $193 | 1.10% |
| ROMARG CORP DBA SUMNERS INSURANCE A3 | PO BOX 188 CLARION, IA 50525 | TRANSAMERICA | $157 | — | $157 | 0.89% |
| COLE PAPE3 | 115 WAST PLATT STREET MAQUOKETA, IA 52060 | TRANSAMERICA | $138 | — | $138 | 0.79% |
| ALAN PAPE3 Filed as: ALAN M PAPE | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | TRANSAMERICA | $2 | — | $2 | 0.01% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCSIATES LLC | 7047 EAST GREENWAY PARKWAY SUITE 210 SCOTTSDALE, AZ 85254 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| PAPE ALAN3 Filed as: PAPE RHONDA S | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $327 | — | $327 | 2.57% |
| ROMARG CORP DBA WRIGHT INSURANCE3 | PO BOX 188 CLARION, IA 50525 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $238 | — | $238 | 1.87% |
| PAPE ALAN3 Filed as: PAPE RHONDA S | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $233 | — | $233 | 1.83% |
| PAPE ALAN3 Filed as: PAPE COLE M | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $203 | — | $203 | 1.60% |
| PAPE DANE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $196 | — | $196 | 1.54% |
| ROMARG CORP DBA WRIGHT INSURANCE3 | PO BOX 188 CLARION, IA 50525 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $151 | — | $151 | 1.19% |
| PAPE ALAN3 Filed as: PAPE COLE M | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $108 | — | $108 | 0.85% |
| PAPE DANE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $102 | — | $102 | 0.80% |
| ROMARG CORP DBA WRIGHT INSURANCE3 | PO BOX 188 CLARION, IA 50525 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $95 | — | $95 | 0.75% |
| PAPE ALAN3 Filed as: PAPE RHONDA | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $85 | — | $85 | 0.67% |
| PAPE ALAN3 Filed as: PAPE RHONDA S | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $73 | — | $73 | 0.57% |
| PAPE ALAN3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $59 | — | $59 | 0.46% |
| PAPE COLE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $54 | — | $54 | 0.42% |
| PAPE DANE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $53 | — | $53 | 0.42% |
| PAPE DANE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $52 | — | $52 | 0.41% |
| PAPER ALAN3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $50 | — | $50 | 0.39% |
| PAPE COLE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $46 | — | $46 | 0.36% |
| PAPE DANE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $45 | — | $45 | 0.35% |
| ROMARG CORP DBA WRIGHT INSURANCE3 | PO BOX 188 CLARION, IA 50525 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $42 | — | $42 | 0.33% |
| ROMARG CORP DBA WRIGHT INSURANCE6 | PO BOX 188 CLARION, IA 50525 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $41 | — | $41 | 0.32% |
| PAPE ALAN3 Filed as: PAPE RHONDA | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $39 | — | $39 | 0.31% |
| PAPE ALAN3 Filed as: PAPE RHONDA | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $37 | — | $37 | 0.29% |
| PAPE ALAN3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | — | $22 | 0.17% |
| ROMARG CORP DBA WRIGHT INSURANCE3 | PO BOX 188 CLARION, IA 50525 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | — | $20 | 0.16% |
| PAPE DANE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17 | — | $17 | 0.13% |
| PAPE ALAN3 Filed as: PAPE RHONDA | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | — | $16 | 0.13% |
| PAPE ALAN3 Filed as: PAPE RHONDA | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.07% |
| WING JESSE A3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| PAPE ALAN3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| HARDIN ROGER3 | 578 237TH AVENUE DELMAR, IA 52037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| HARDIN ROGER3 | 578 237TH AVENUE DELMAR, IA 52037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| PAPE DANE3 Filed as: PAPE SAMUEL M | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| WING JESSE A3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| PAPE DANE3 Filed as: PAPE SAMUEL M | 115 EAST PLATT MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| MICHAEL N MALLBERG3 | 1102 CASSIDY CURV ADEL, IA 50003 | AFLAC | $15 | — | $15 | 3.61% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOC LLC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | AFLAC | $8 | — | $8 | 1.93% |
| JOSEPH MICHAEL EVANS3 Filed as: JOSEPH M EVANS | 13848 ROSEWOOD DRIVE CLIVE, IA 50325 | AFLAC | $7 | — | $7 | 1.69% |
| KORY K ELLERBECK3 | 8610 EP TRUE PARKWAY UNIT 13009 WEST DES MOINES, IA 50266 | AFLAC | $6 | — | $6 | 1.45% |
| SCOTT R FRITCHER3 | 9701 AURORA AVENUE URBANDALE, IA 50322 | AFLAC | $6 | — | $6 | 1.45% |
| KIM I THROCKMORTON3 | 1106 ELDORADO ROAD APARTMENT C NORFOLK, NE 68701 | AFLAC | $3 | — | $3 | 0.72% |
| EDWARD C BIEHN3 | 1534 HANCOCK DRIVE BOONE, IA 50036 | AFLAC | $3 | — | $3 | 0.72% |
| MATTHEW D BUTLER3 | 1298 BUCKHORN WAY LOUDON, TN 37774 | AFLAC | $2 | — | $2 | 0.48% |
| BERNARD J BRAZEAU3 | 6705 GRIMES STREET INDIANOLA, IA 50125 | AFLAC | $0 | — | $0 | 0.00% |
| HEATHER DAWN SWANSON3 | 115 SOUTHEAST BAYTREE DRIVE WAUKEE, IA 50263 | AFLAC | $0 | — | $0 | 0.00% |
| RICHARD R KIMBROUGH3 | 1972 MUIRFIELD WAY SOUTHEAST CARLISLE, IA 50047 | AFLAC | $0 | — | $0 | 0.00% |
| STACEY LYN CASTELLANETA3 Filed as: STACEY SCHROCK | 3616 UNIVERSITY AVENUE APARTMENT 4 DES MOINES, IA 50311 | AFLAC | $0 | — | $0 | 0.00% |
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 | 235 | 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) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 235 | $88K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 103 | $14K |
| Stop-loss / reinsurancereinsurance | GRANULAR INSURANCE COMPANY | 219 | $364K |
| Other(6 contracts, 5 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 274 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.