| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BENEFIT SOLUTIONS, LLC-NOR | 18940 NORTH PIMA ROAD SUITE 210 SCOTTSDALE, AZ 85255 | TOKIO MARINE | $12K | — | $12K | 4.86% |
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BENEFIT SOLUTIONS, LLC | DBA STEALTH PARTNER GROUP 18940 NORTH PIMA ROAD SUITE 210 SCOTTSDALE, AZ 85255 | TOKIO MARINE | $7K | — | $7K | 2.76% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCSIATES LLC | ATTN OPERATING ACCOUNT PO BOX 441 DES MOINES, IA 50302 | HARTFORD LIFE AND ACCIDENT | $18K | $2K | $20K | 18.66% |
| 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 | $274 | — | $274 | 1.34% |
| PAPE ALAN3 Filed as: PAPE RHONDA | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $199 | — | $199 | 0.97% |
| PAPE ALAN3 Filed as: PAPE COLE M | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $196 | — | $196 | 0.96% |
| PAPE DANE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $196 | — | $196 | 0.96% |
| PAPE ALAN3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $192 | — | $192 | 0.94% |
| 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 | $190 | — | $190 | 0.93% |
| PAPE ALAN3 Filed as: PAPE RHONDA S | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $155 | — | $155 | 0.76% |
| PAPE ALAN3 Filed as: PAPE RHONDA S | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $138 | — | $138 | 0.67% |
| PAPE ALAN3 Filed as: PAPE COLE M | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $118 | — | $118 | 0.58% |
| PAPE DANE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $118 | — | $118 | 0.58% |
| PAPE ALAN3 Filed as: PAPE COLE M | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $107 | — | $107 | 0.52% |
| PAPE DANE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $107 | — | $107 | 0.52% |
| PAPER ALAN3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $104 | — | $104 | 0.51% |
| 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 | $88 | — | $88 | 0.43% |
| PAPE DANE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $85 | — | $85 | 0.41% |
| 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 | $64 | — | $64 | 0.31% |
| PAPE ALAN3 Filed as: PAPE RHONDA | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $49 | — | $49 | 0.24% |
| 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 | $35 | — | $35 | 0.17% |
| PAPE ALAN3 Filed as: PAPE RHONDA | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $34 | — | $34 | 0.17% |
| HARDIN ROGER3 | 578 237TH AVENEU DELMAR, IA 52037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $34 | — | $34 | 0.17% |
| SING JESSE A3 | 115 EAST PLATT MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $31 | — | $31 | 0.15% |
| PAPE DANE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28 | — | $28 | 0.14% |
| PAPE DANE3 Filed as: PAPE SAMUEL M | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | — | $21 | 0.10% |
| PAPE ALAN3 Filed as: PAPE RHONDA | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | — | $18 | 0.09% |
| WING JESSE A3 | 115 EAST PLATT MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.07% |
| HARDIN ROGER3 | 578 237TH AVENEUE DELMAR, IA 52037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.05% |
| 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 | $11 | — | $11 | 0.05% |
| PAPE ALAN6 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.04% |
| PAPE DANE3 Filed as: PAPE SAMUEL M | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.04% |
| SPYKSMA BJ3 | 3300 SCOTTSDALE ROAD APARTMENT 5106 SCOTTSDALE, AZ 50525 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.03% |
| PAPE ALAN3 Filed as: PAPE RHONDA S | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| ROMARG CORP DBA SUMNERS INSURANCE A3 | 114 NORTH MAIN CLARION, IA 50525 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| SPYKSMA BJ3 | 3300 SCOTTSDALE ROAD APARTMENT 5106 SCOTTSDALE, AZ 85251 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| PAPE ALAN3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| PAPE ALAN3 Filed as: PAPE COLE M | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| PAPE DANE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| PAPE ALAN3 Filed as: PAPE RHONDA | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| RHONDA S PAPE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | TRANSAMERICA | $269 | — | $269 | 1.32% |
| DANE PAPE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | TRANSAMERICA | $237 | — | $237 | 1.17% |
| ROMARG CORP DBA SUMNERS INSURANCE A3 Filed as: ROMARG CORP SUMNERS INSURANCE AGENC | PO BOX 188 CLARION, IA 50525 | TRANSAMERICA | $199 | — | $199 | 0.98% |
| COLE PAPE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | TRANSAMERICA | $172 | — | $172 | 0.85% |
| ALAN PAPE3 Filed as: ALAN MPAPE | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | TRANSAMERICA | $2 | — | $2 | 0.01% |
| KORY K ELLERBECK3 | 8610 EP TRUE PARKWAY UNIT 13009 WEST DES MOINES, IA 50266 | AFLAC | $63 | — | $63 | 2.13% |
| MICHAEL N MALLBERG3 | 1102 CASSIDY CURV ADEL, IA 50003 | AFLAC | $53 | — | $53 | 1.79% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOC INC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | AFLAC | $52 | — | $52 | 1.75% |
| VIRGINIA A HOVICK3 | 2214 SOUTHWEST 43RD TERRACE CAPE CORAL, FL 33914 | AFLAC | $39 | — | $39 | 1.32% |
| RONALD L HOVICK3 | 2214 SOUTHWEST 43RD TERRACE CAPE CORAL, FL 33914 | AFLAC | $21 | — | $21 | 0.71% |
| THE SHARON MILLER AGENCY LLC3 | PO BOX 15 BELMOND, IA 50421 | AFLAC | $19 | — | $19 | 0.64% |
| EDWARD C BIEHN3 | 1534 HANCOCK DRIVE BOONE, IA 50036 | AFLAC | $15 | — | $15 | 0.51% |
| JOSEPH P CALARCO3 Filed as: JOSEPH EVANS | 13848 ROSEWOOD DRIVE CLIVE, IA 50325 | AFLAC | $14 | — | $14 | 0.47% |
| SCOTT R FRITCHER3 | 3511 131ST STREET URBANDALE, IA 50323 | AFLAC | $11 | — | $11 | 0.37% |
| DON ARMSTRONG3 | 12834 WEST CASTLEBER DRIVE SUN CITY WEST, AZ 85375 | AFLAC | $10 | — | $10 | 0.34% |
| RICHARD R KIMBROUGH3 | 6380 NORTH PARK MEADOW WAY APARTMENT 203 BOISE, ID 83713 | AFLAC | $8 | — | $8 | 0.27% |
| THE TODD GROUP3 | 100 EAST 2ND STREET UNIT 205 CEDAR FALLS, IA 50613 | AFLAC | $8 | — | $8 | 0.27% |
| GARY P GLANZER3 | 4400 EP TRUE PARKWAY UNIT 62 WEST DES MOINES, IA 50265 | AFLAC | $8 | — | $8 | 0.27% |
| KIM I THROCKMORTON3 | 309 NORTH 33RD STREET UNIT C NORTHFOLK, NE 68701 | AFLAC | $5 | — | $5 | 0.17% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DRIVE SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $3 | — | $3 | 0.10% |
| STACEY LYN CASTELLANETA3 Filed as: STACEY SCHROCK | 3616 UNIVERSITY AVENUE APARTMENT 4 DES MOINES, IA 50311 | AFLAC | $2 | — | $2 | 0.07% |
| JOELLEN K KORLESKI3 | 4670 NORTH SHORE DRIVE CLEAR LAKE, IA 50428 | AFLAC | $1 | — | $1 | 0.03% |
| KIM I THROCKMORTON3 | 211 SOUTH 8TH STREET BATTLE CREEK, NE 68715 | AFLAC | $1 | — | $1 | 0.03% |
| THE TODD GROUP3 | 602 MAIN STREET SUITE 200 CEDAR FALLS, IA 50613 | AFLAC | $1 | — | $1 | 0.03% |
| MARK L DUNN3 | 2734 NORTH RETIREMENT LANE APARTMENT C BOISE, ID 83704 | AFLAC | $1 | — | $1 | 0.03% |
| MICHAEL D SCHULTZ3 | 1126 25TH AVENUE NORTHWEST FARIBAULT, MN 55021 | AFLAC | $1 | — | $1 | 0.03% |
| HEATHER D SWANSON3 | 4517 49TH PLACE DES MOINES, IA 50310 | AFLAC | $1 | — | $1 | 0.03% |
| BERNAED J BRAZEAU3 | 6705 GRIMES STREET INDIANOLA, IA 50125 | AFLAC | $1 | — | $1 | 0.03% |
| JACQUELYN KIMBROUGH3 | 1680 BURR OAKS DRIVE WEST DES MOINES, IA 50266 | AFLAC | $1 | — | $1 | 0.03% |
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 | 280 | 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) | 280 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 283 | $108K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 283 | $108K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 257 | $255K |
| Other(5 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT | 290 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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.