| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | PO BOX 9207 DES MOINES, IA 50306 | TOKIO MARINE | $8K | — | $8K | 2.54% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCSIATES INC | PO BOX 91147 SIOUX FALLS, SD 57109 | HARTFORD LIFE AND ACCIDENT | $22K | $90 | $22K | 17.07% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP | 1120 SANCTUARY PARKWAY SUITE 375 ALPHARETTA, GA 30009 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 3.43% |
| ROMARG CORP DBA SUMNERS INSURANCE A3 Filed as: ROMARG CORP DBA SUMNERS INS AGENCY | 114 NORTH MAIN CLARION, IA 50525 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 7.54% |
| RHONDA S PAPE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 7.53% |
| DANE PAPE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 5.91% |
| COLE PAPE3 Filed as: COLE M PAPE | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 5.20% |
| ALAN PAPE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $646 | — | $646 | 2.45% |
| RHONDA S PAPE3 Filed as: RHONDA PAPE | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $288 | — | $288 | 1.09% |
| BJ SPYKSMA3 | 14321 DELWOOD DRIVE URBANDALE, IA 50325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $83 | — | $83 | 0.32% |
| ROGER HARDIN3 | 578 237TH AVENUE DELMAR, IA 52037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $80 | — | $80 | 0.30% |
| JESSE A WING3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $71 | — | $71 | 0.27% |
| SAMUEL PAPE3 Filed as: SAMUEL M PAPE | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $54 | — | $54 | 0.21% |
| BURDETTE A YOUNG3 | SUMNERS INSURANCE AGENCY PO BOX 188 CLARION, IA 50525 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $42 | — | $42 | 0.16% |
| TARA MICHELLE D AGOSTINO3 Filed as: TARA K STUDER | 115 NORTH JEFFERSON AVENUE MASON CITY, IA 50401 | AFLAC | $198 | — | $198 | 6.22% |
| MICHAEL N MALLBERG3 | 1102 CASSIDY CURVE ADEL, IA 50003 | AFLAC | $57 | — | $57 | 1.79% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOC INC | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | AFLAC | $39 | — | $39 | 1.22% |
| KORY K ELLERBECK3 | 8610 EP TRUE PARKWAY UNIT 13009 WEST DES MOINES, IA 50266 | AFLAC | $34 | — | $34 | 1.07% |
| VIRGINIA A HOVICK3 | 2214 SOUTHWEST 43RD TERRACE CAPE CORAL, FL 33914 | AFLAC | $34 | — | $34 | 1.07% |
| MONICA WHITE3 | 28876 DELTA AVENUE TREYNOR, IA 51575 | AFLAC | $22 | — | $22 | 0.69% |
| THE TODD GROUP3 | 808 EAST 18TH STREET CEDAR FALLS, IA 50613 | AFLAC | $20 | — | $20 | 0.63% |
| SCOTT R FRITCHER3 | 9655 NORTHWEST 74TH PLACE GRIMES, IA 50111 | AFLAC | $19 | — | $19 | 0.60% |
| RONALD L HOVICK3 | 2214 SOUTHWEST 43RD TERRACE CAPE CORAL, FL 33914 | AFLAC | $19 | — | $19 | 0.60% |
| THE TODD GROUP3 | 602 MAIN STREET SUITE 200 CEDAR FALLS, IA 50613 | AFLAC | $14 | — | $14 | 0.44% |
| MONICA WHITE3 Filed as: MONICA L WHITE | 28876 DELTA AVENUE TREYNOR, IA 51575 | AFLAC | $12 | — | $12 | 0.38% |
| JOELLEN K KORLESKI3 | 4670 NORTH SHORE DRIVE CLEAR LAKE, IA 50428 | AFLAC | $8 | — | $8 | 0.25% |
| JAMES A SMAARDYK3 | 2831 CEDAR HILLS LANE TWIN LAKE, MI 49457 | AFLAC | $7 | — | $7 | 0.22% |
| JOSEPH P CALARCO3 Filed as: JOSEPH EVANS | 4721 BROOKVIEW DRIVE WEST DES MOINES, IA 50265 | AFLAC | $7 | — | $7 | 0.22% |
| EDWARD C BIEHN3 | 1534 HANCOCK DRIVE BOONE, IA 50036 | AFLAC | $7 | — | $7 | 0.22% |
| TARA STUDER & ASSOCIATES3 | 115 NORTH JEFFERSON AVENUE MASON CITY, IA 50401 | AFLAC | $6 | — | $6 | 0.19% |
| DON ARMSTRONG3 | 12834 WEST CASTLEBER DRIVE SUN CITY WEST, AZ 85375 | AFLAC | $5 | — | $5 | 0.16% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DRIVE SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $5 | — | $5 | 0.16% |
| MICHAEL D SCHULTZ3 | 1815 14TH STREET NORTHWEST ROCHESTER, MN 55901 | AFLAC | $5 | — | $5 | 0.16% |
| GARY P GLANZER3 | 4400 EP TRUE PARKWAY UNIT 62 WEST DES MOINES, IA 50265 | AFLAC | $4 | — | $4 | 0.13% |
| RICHARD R KIMBROUGH3 | 1972 MUIRFIELD WAY SOUTHEAST PALM BAY, FL 32909 | AFLAC | $4 | — | $4 | 0.13% |
| KIM I THROCKMORTON3 | 211 SOUTH 8TH STREET BATTLE CREEK, NE 68715 | AFLAC | $3 | — | $3 | 0.09% |
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 | 262 | 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) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 341 | $135K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 341 | $131K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 282 | $331K |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 396 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 396 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.