| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | TOKIO MARINE | $8K | — | $8K | 2.76% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCSIATES INC | ATTN OPERATING ACCOUNT PO BOX 441 DES MOINES, IA 50302 | HARTFORD LIFE AND ACCIDENT | $17K | $834 | $17K | 17.85% |
| COLE PAPE3 Filed as: COLE M PAPE | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $267 | — | $267 | 1.29% |
| DANE PAPE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $267 | — | $267 | 1.29% |
| RHONDA S PAPE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $239 | — | $239 | 1.15% |
| ROMARG CORP DBA SUMNERS INSURANCE A3 Filed as: ROMARG CORP DBA | SUMNERS INSURANCE AGENCY 114 NORTH MAIN CLARION, IA 50525 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $207 | — | $207 | 1.00% |
| ALAN PAPE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $203 | — | $203 | 0.98% |
| ROMARG CORP DBA SUMNERS INSURANCE A3 Filed as: ROMARG CORP DBA | SUMNERS INSURANCE AGENCY 114 NORTH MAIN CLARION, IA 50525 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $143 | — | $143 | 0.69% |
| RHONDA S PAPE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $143 | — | $143 | 0.69% |
| ALAN PAPE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $128 | — | $128 | 0.62% |
| ROMARG CORP DBA SUMNERS INSURANCE A3 Filed as: ROMARG CORP | DBA SUMNERS INS AGENCY 114 NORTH MAIN STREET CLARION, IA 50525 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $119 | — | $119 | 0.57% |
| ROMARG CORP DBA SUMNERS INSURANCE A3 Filed as: ROMARG CORP DBA | SUMNERS INS AGENCY 114 NORTH MAIN STREET CLARION, IA 50525 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $112 | — | $112 | 0.54% |
| DANE PAPE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $102 | — | $102 | 0.49% |
| COLE PAPE3 Filed as: COLE M PAPE | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $102 | — | $102 | 0.49% |
| DANE PAPE3 | 115 EAST PLATT MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $91 | — | $91 | 0.44% |
| COLE PAPE3 Filed as: COLE M PAPE | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $85 | — | $85 | 0.41% |
| DANE PAPE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $85 | — | $85 | 0.41% |
| RHONDA S PAPE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $62 | — | $62 | 0.30% |
| ROMARG CORP DBA SUMNERS INSURANCE A3 Filed as: ROMARG CORP | DBA SUMNERS INS AGENCY 114 NORTH MAIN STREET CLARION, IA 50525 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $49 | — | $49 | 0.24% |
| BJ SPYKSMA3 | 14321 DELWOOD DRIVE URBANDALE, IA 50325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $44 | — | $44 | 0.21% |
| ROGER HARDIN3 | 578 237TH AVENUE DELMAR, IA 52037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $38 | — | $38 | 0.18% |
| RHONDA S PAPE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $37 | — | $37 | 0.18% |
| JESSE A WING3 | 115 EAST PLATT MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $32 | — | $32 | 0.15% |
| DANE PAPE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $29 | — | $29 | 0.14% |
| RHONDA S PAPE3 Filed as: RHONDA PAPE | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28 | — | $28 | 0.14% |
| SAMUEL PAPE3 Filed as: SAMUEL M PAPE | 115 EAST PLATT MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24 | — | $24 | 0.12% |
| RHONDA S PAPE3 Filed as: RHONDA PAPE | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | — | $22 | 0.11% |
| RHONDA S PAPE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19 | — | $19 | 0.09% |
| JESSE A WING3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.07% |
| ROGER HARDIN3 | 578 237TH AVENUE DELMAR, IA 52037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.05% |
| ROMARG CORP DBA SUMNERS INSURANCE A3 Filed as: ROMARG CORP DBA | SUMNERS INSURANCE AGENCY 114 NORTH MAIN CLARION, IA 50525 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.05% |
| SAMUEL PAPE3 Filed as: SAMUEL M PAPE | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.04% |
| BJ SPYKSMA3 | 14321 DELWOOD DRIVE URBANDALE, IA 50325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.04% |
| COLE PAPE3 Filed as: COLE M PAPE | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.04% |
| ALAN PAPE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.04% |
| DANE PAPE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| RHONDA S PAPE3 Filed as: RHONDA PAPE | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| ALAN PAPE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| ALAN PAPE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| ROMARG CORP DBA SUMNERS INSURANCE A3 Filed as: ROMARG CORP DBA | SUMNERS INSURANCE AGENCY 114 NORTH MAIN CLARION, IA 50525 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| DANE PAPE3 | 115 EAST PLATT MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| BJ SPYKSMA3 | 14321 DELWOOD DRIVE URBANDALE, IA 50325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ROGER HARDIN3 | 578 237TH AVENUE DELMAR, IA 52037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JESSE A WING3 | 115 EAST PLATT MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| SAMUEL PAPE3 Filed as: SAMUEL M PAPE | 115 EAST PLATT MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ROGER HARDIN3 | 578 237TH AVENUE DELMAR, IA 52037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| BJ SPYKSMA3 | 14321 DELWOOD DRIVE URBANDALE, IA 50325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| DANE PAPE3 | 115 EAST PLATT MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| SAMUEL PAPE3 Filed as: SAMUEL M PAPE | 115 EAST PLATT MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| JESSE A WING3 | 115 EAST PLATT MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| RHONDA S PAPE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| RHONDA S PAPE3 Filed as: RHONDA PAPE | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| VIRGINIA A HOVICK3 | 2214 SOUTHWEST 43RD TERRACE CAPE CORAL, FL 33914 | AFLAC | $27 | — | $27 | 2.17% |
| KORY K ELLERBECK3 | 8610 EP TRUE PARKWAY UNIT 13009 WEST DES MOINES, IA 50266 | AFLAC | $24 | — | $24 | 1.93% |
| MICHAEL N MALLBERG3 | 1102 CASSIDY CURV ADEL, IA 50003 | AFLAC | $20 | — | $20 | 1.61% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOC INC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | AFLAC | $20 | — | $20 | 1.61% |
| RONALD L HOVICK3 | 2214 SOUTHWEST 43RD TERRACE CAPE CORAL, FL 33914 | AFLAC | $13 | — | $13 | 1.05% |
| JOELLEN K KORLESKI3 | 4670 NORTH SHORE DRIVE CLEAR LAKE, IA 50428 | AFLAC | $6 | — | $6 | 0.48% |
| EDWARD C BIEHN3 | 1534 HANCOCK DRIVE BOONE, IA 50036 | AFLAC | $6 | — | $6 | 0.48% |
| JOSEPH P CALARCO3 Filed as: JOSEPH EVANS | 4721 BROOKVIEW DRIVE WEST DES MOINES, IA 50265 | AFLAC | $6 | — | $6 | 0.48% |
| DON ARMSTRONG3 | 12834 WEST CASTLEBER DRIVE SUN CITY WEST, AZ 85375 | AFLAC | $4 | — | $4 | 0.32% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DRIVE SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $4 | — | $4 | 0.32% |
| RICHARD R KIMBROUGH3 | 1972 MUIRFIELD WAY SOUTHEAST PALM BAY, FL 32909 | AFLAC | $4 | — | $4 | 0.32% |
| MICHAEL D SCHULTZ3 | 1126 25TH AVE NORTHWEST FARIBAULT, MN 55021 | AFLAC | $4 | — | $4 | 0.32% |
| SCOTT R FRITCHER3 | 3511 131ST STREET URBANDALE, IA 50323 | AFLAC | $4 | — | $4 | 0.32% |
| SCOTT R FRITCHER3 | 3511 131ST STREET URBANDALE, IA 50323 | AFLAC | $4 | — | $4 | 0.32% |
| GARY P GLANZER3 | 4400 EP TRUE PARKWAY UNIT 62 WEST DES MOINES, IA 50265 | AFLAC | $3 | — | $3 | 0.24% |
| THE TODD GROUP3 | 602 MAIN STREET SUITE 200 CEDAR FALLS, IA 50613 | AFLAC | $2 | — | $2 | 0.16% |
| KIM I THROCKMORTON3 | 211 SOUTH 8TH STREET BATTLE CREEK, NE 68715 | AFLAC | $2 | — | $2 | 0.16% |
| RONALD L HOVICK3 | 2214 SOUTHWEST 43RD TERRACE CAPE CORAL, FL 33914 | AFLAC | $2 | — | $2 | 0.16% |
| STACEY LYN CASTELLANETA3 Filed as: STACEY SCHROCK | 3616 UNIVERSITY AVENUE APARTMENT 4 DES MOINES, IA 50311 | AFLAC | $1 | — | $1 | 0.08% |
| HEATHER D SWANSON3 | 4517 49TH PLACE DES MOINES, IA 50310 | AFLAC | $1 | — | $1 | 0.08% |
| MARK L DUNN3 | 2734 NORTH RETIREMENT LANE APARTMENT C BOISE, ID 83704 | AFLAC | $0 | — | $0 | 0.00% |
| JACQUELIN KIMBROUGH3 | 1680 BURR OAKS DRIVE WEST DES MOINES, IA 50266 | AFLAC | $0 | — | $0 | 0.00% |
| BERNARD J BRAZEAU3 | 6705 GRIMES STREET INDIANOLA, IA 50125 | 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 | 289 | 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) | 289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 289 | $98K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 289 | $98K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 265 | $289K |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 289 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 289 | — |
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.