| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH PARTNER GROUP LLC-NORTHWES | 18940 NORTH PIMA ROAD SUITE 210 SCOTTSDALE, AZ 85255 | TOKIO MARINE | $13K | — | $13K | 5.00% |
| RHONDA S PAPE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | TRANSAMERICA | $299 | — | $299 | 1.59% |
| DANE PAPE3 Filed as: DANE A PAPE | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | TRANSAMERICA | $247 | — | $247 | 1.32% |
| ROMARG CORP DBA SUMNERS INSURANCE A3 | PO BOX 188 CLARION, IA 50525 | TRANSAMERICA | $216 | — | $216 | 1.15% |
| COLE PAPE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | TRANSAMERICA | $183 | — | $183 | 0.98% |
| ALAN PAPE3 Filed as: ALAN M PAPE | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | TRANSAMERICA | $2 | — | $2 | 0.01% |
| PAPE ALAN3 Filed as: PAPE COLE M | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $141 | — | $141 | 0.92% |
| PAPE DANE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $140 | — | $140 | 0.91% |
| 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 | $133 | — | $133 | 0.87% |
| PAPE ALAN3 Filed as: PAPE RHONDA S | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $130 | — | $130 | 0.85% |
| PAPE ALAN3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $125 | — | $125 | 0.82% |
| 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 | $116 | — | $116 | 0.76% |
| PAPE ALAN3 Filed as: PAPE RHONDA S | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $96 | — | $96 | 0.63% |
| PAPE ALAN3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $76 | — | $76 | 0.50% |
| PAPE ALAN3 Filed as: PAPE COLE M | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $74 | — | $74 | 0.48% |
| PAPE DANE3 | 115 EAST PLATT MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $74 | — | $74 | 0.48% |
| PAPE ALAN3 Filed as: PAPE COLE M | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $67 | — | $67 | 0.44% |
| PAPE DANE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $67 | — | $67 | 0.44% |
| ROMARG CORP DBA SUMNERS INSURANCE A3 | 114 NORTH MAIN CLARION, IA 50525 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $61 | — | $61 | 0.40% |
| PAPE DANE3 | 115 EAST PLATT MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $57 | — | $57 | 0.37% |
| ROMARGE CORP DBA SUMNERS INS AGENCY3 | 114 NORTH MAIN CLARION, IA 50525 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $49 | — | $49 | 0.32% |
| PAPE ALAN3 Filed as: PAPE RHONDA S | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $43 | — | $43 | 0.28% |
| PAPE ALAN3 Filed as: PAPE RHONDA | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25 | — | $25 | 0.16% |
| PAPE DANE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24 | — | $24 | 0.16% |
| PAPE ALAN3 Filed as: PAPE RHONDA | 115 EAST PLATT MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23 | — | $23 | 0.15% |
| ROMARG CORP DBA SUMNERS INSURANCE A6 | 114 NORTH MAIN CLARION, IA 50525 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23 | — | $23 | 0.15% |
| WING JESSE A3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | — | $22 | 0.14% |
| HARDIN ROGER3 | 578 237TH AVENUE DELMAR, IA 52037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | — | $21 | 0.14% |
| WING JESSE A3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.09% |
| PAPE DANE3 Filed as: PAPE SAMUEL M | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.08% |
| PAPE ALAN3 Filed as: PAPE RHONDA | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.08% |
| 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 | 0.07% |
| HARDIN ROGER3 | 578 237TH AVENUE DELMAR, IA 52037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.07% |
| PAPE DANE3 Filed as: PAPE SAMUEL M | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.05% |
| PAPE ALAN3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.05% |
| KORY K ELLERBECK3 | 8610 EP TRUE PARKWAY UNIT 13009 WEST DES MOINES, IA 50266 | AFLAC | $33 | — | $33 | 3.28% |
| MICHAEL N MALLBERG3 | 1102 CASSIDY CURV ADEL, IA 50003 | AFLAC | $28 | — | $28 | 2.79% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOC INC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | AFLAC | $27 | — | $27 | 2.69% |
| EDWARD C BIEHN3 | 1534 HANCOCK DRIVE BOONE, IA 50036 | AFLAC | $8 | — | $8 | 0.80% |
| JOSEPH P CALARCO3 Filed as: JOSEPH EVANS | 13848 ROSEWOOD DRIVE CLIVE, IA 50325 | AFLAC | $7 | — | $7 | 0.70% |
| SCOTT R FRITCHER3 | 3511 131ST STREET URBANDALE, IA 50323 | AFLAC | $6 | — | $6 | 0.60% |
| DON ARMSTRONG3 | 12834 WEST CASTLEBER DRIVE SUN CITY WEST, AZ 85375 | AFLAC | $5 | — | $5 | 0.50% |
| 4400 EP TRUE PARKWAY3 | UNIT 62 WEST DES MOINES, IA 50265 | AFLAC | $4 | — | $4 | 0.40% |
| KIM I THROCKMORTON3 | 1106 ELDORADO ROAD APARTMENT C NORFOLK, NE 68701 | AFLAC | $3 | — | $3 | 0.30% |
| RICHARD R KIMBROUGH3 | 6380 NORTH PARK MEADOW WAY APARTMENT 203 BOISE, ID 83713 | AFLAC | $3 | — | $3 | 0.30% |
| THE SHARON MILLER AGENCY LLC3 | PO BOX 15 BELMOND, IA 50421 | AFLAC | $2 | — | $2 | 0.20% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DRIVE SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $1 | — | $1 | 0.10% |
| THE TODD GROUP3 | 4409 BLAIR RIDGE ROAD CEDAR FALLS, IA 50613 | AFLAC | $1 | — | $1 | 0.10% |
| 3616 UNIVERSITY AVENUE3 | APARTMENT 4 APARTMENT 4 DES MOINES, IA 50311 | AFLAC | $1 | — | $1 | 0.10% |
| MARK L DUNN3 | 2734 NORTH RETIREMENT LANE APPARTMENT C BOISE, ID 83704 | AFLAC | $1 | — | $1 | 0.10% |
| BERNARD J BRAZEAU3 | 6705 GRIMES STREET INDIANOLA, IA 50125 | AFLAC | $0 | — | $0 | 0.00% |
| HEATHER D SWANSON3 | 115 SOUTHEAST BAYTREE DRIVE WAUKEE, IA 50263 | AFLAC | $0 | — | $0 | 0.00% |
| JACQUELYN KIMBROUGH3 | 1680 BURR OAKS DRIVE WEST DES MOINES, IA 50266 | AFLAC | $0 | — | $0 | 0.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCSIATES LLC | ATTN OPERATING ACCOUNT PO BOX 441 DES MOINES, IA 50302 | HARTFORD LIFE AND ACCIDENT | $7 | — | $7 | 17.07% |
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 | 282 | 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) | 282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 283 | $41 |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 283 | $41 |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 263 | $265K |
| Other(5 contracts, 5 carriers) | TRANSAMERICA | 289 | $42K |
| 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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.