| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KAPPAROS STEVE3 | 600 STAR BREWERY DRIVE SUITE 110 DUBUQUE, IA 52001 | KANSAS CITY LIFE INSURANCE | $7K | — | $7K | 9.46% |
| REMLEY BENEFITS LLC3 | 1225 E RIVER DR STE 302 DAVENPORT, IA 52803 | AFLAC | $2K | $102 | $2K | 9.72% |
| DONALD L BYCROFT3 | 28W340 FLANDERS LN WINFIELD, IL 60190 | AFLAC | $340 | — | $340 | 1.38% |
| CORY D NELSON3 | 215 HIGHWAY 965 NE STE 3 NORTH LIBERTY, IA 52317 | AFLAC | $262 | $24 | $286 | 1.16% |
| JAIME R RAGINS3 | 31 COBBLESTONE LN LE CLAIRE, IA 52753 | AFLAC | $201 | — | $201 | 0.81% |
| KAREN C VAUGHAN3 | PO BOX 322 GARNAVILLO, IA 52049 | AFLAC | $173 | — | $173 | 0.70% |
| JOSHUA D TERRELL3 | 812 VENETIAN ISLES DR APT 1 LAKE PARK, FL 33403 | AFLAC | $135 | — | $135 | 0.55% |
| MARY J CLEMEN-REDING3 | 13918 SURREY LN DUBUQUE, IA 52002 | AFLAC | $102 | — | $102 | 0.41% |
| THE TODD GROUP3 | 4409 BLAIR RIDGE RD CEDAR FALLS, IA 50613 | AFLAC | $88 | — | $88 | 0.36% |
| DEREK DEVANE3 Filed as: DEREK D MIZAUR | 2388 ANTLER RIDGE DR ASBURY, IA 52002 | AFLAC | $59 | — | $59 | 0.24% |
| MELODY ROSE3 | 1001 E PLAYA DEL NORTE DR UNIT 4435 TEMPE, AZ 85281 | AFLAC | $36 | — | $36 | 0.15% |
| JARVIS ANTHONY THOMAS3 | 2959 SUMMER DR DUBUQUE, IA 52002 | AFLAC | $29 | — | $29 | 0.12% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $28 | — | $28 | 0.11% |
| GEORGE E MIDDLETON3 | 1702 SINGING PALM DR APOPKA, FL 32712 | AFLAC | $28 | — | $28 | 0.11% |
| BRAD P LUFKIN3 | 5530 WEST PKWY STE 500 JOHNSON, IA 50131 | AFLAC | $26 | — | $26 | 0.11% |
| DONNA R WATSON3 | 329 LA JOYA PASS LEANDER, TX 78641 | AFLAC | $25 | — | $25 | 0.10% |
| TINA M KECK3 | 440 LOWELL ST DUBUQUE, IA 52001 | AFLAC | $21 | — | $21 | 0.09% |
| RICHARD R KIMBROUGH3 | 6830 N PARK MEADOW WAY APT 203 BOISE, ID 83713 | AFLAC | $17 | — | $17 | 0.07% |
| STEPHANIE M MORRIS3 Filed as: STEPHANIE MORRIS | 4479 BUNKER HILL DR BETTENDORF, IA 52722 | AFLAC | $15 | — | $15 | 0.06% |
| MICHAEL MASCHOFF3 | 1502 NW ARBOR DR ANKENY, IA 50023 | AFLAC | $12 | — | $12 | 0.05% |
| HEIDI L ADAMS3 Filed as: HEIDI ADAMS | 13917 SAGE VALLEY CT DUBUQUE, IA 52002 | AFLAC | $10 | — | $10 | 0.04% |
| HOLLY A BRINK3 Filed as: HOLLY BRINK | 1201 A AVE W OSKALOOSA, IA 52577 | AFLAC | $10 | — | $10 | 0.04% |
| BARRY CAMPBELL3 | 2798 COUNTY ROAD 80 ALGER, OH 45812 | AFLAC | $7 | — | $7 | 0.03% |
| MITCHELL J MCCALL3 | 3 STONERIDGE DR KEOKUK, IA 52632 | AFLAC | $6 | — | $6 | 0.02% |
| SCOTT R FRITCHER3 | 7408 LONGBOAT DR JOHNSTON, IA 50131 | AFLAC | $5 | — | $5 | 0.02% |
| WILLIAM CLAY ARNOLD3 | 102 HOLLY CT NATCHEZ, MS 39120 | AFLAC | $5 | — | $5 | 0.02% |
| HEATHER D SWANSON3 | 115 SE BAYTREE DR WAUKEE, IA 50263 | AFLAC | $4 | — | $4 | 0.02% |
| BERNARD J BRAZEAU3 | 6705 GRIMES ST INDIANOLA, IA 50125 | AFLAC | $3 | — | $3 | 0.01% |
| STACEY LYN CASTELLANETA3 Filed as: STACEY SCHROCK | 3616 UNIVERSITY AVE APT 4 DES MOINES, IA 50311 | AFLAC | $3 | — | $3 | 0.01% |
| JAMES L HAYES3 | 1547 CEDAR SPRINGS CT NORTH LIBERTY, IA 52317 | AFLAC | $2 | — | $2 | 0.01% |
| MARK L DUNN3 | 2734 N RETIREMENT LN APT C BOISE, ID 83704 | AFLAC | $2 | — | $2 | 0.01% |
| THERESA WILLIAMS JONES3 Filed as: THERESA JONES | 125 CLIFFVIEW DR QUITMAN, AR 72131 | AFLAC | $2 | — | $2 | 0.01% |
| RONALD L HOVICK3 | 2214 SW 43RD TER CAPE CORAL, FL 33914 | AFLAC | $1 | — | $1 | 0.00% |
| REMLEY BENEFITS LLC3 | 1225 E RIVER DR STE 302 DAVENPORT, IA 52803 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 30.28% |
| CORY D NELSON3 | 215 HIGHWAY 965 NE STE 3 NORTH LIBERTY, IA 52317 | CONTINENTAL AMERICAN INSURANCE COMPANY | $359 | — | $359 | 3.19% |
| JAIME R RAGINS3 | 31 COBBLESTONE LN LE CLAIRE, IA 52753 | CONTINENTAL AMERICAN INSURANCE COMPANY | $109 | — | $109 | 0.97% |
| SELECT NETWORKS3 | 317 6TH AVENUE DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 12.27% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS, LLC | 4200 UNIVERSITY AVE. #200 WEST DES MOINES, IA 50266 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 11.16% |
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 | 221 | 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) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK HEALTH PLAN OF IOWA | 133 | $1.4M |
| Dental(2 contracts, 2 carriers) | WELLMARK INC. | 136 | $79K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 131 | $11K |
| Life insurance | KANSAS CITY LIFE INSURANCE | 231 | $78K |
| Short-term disability(2 contracts, 2 carriers) | KANSAS CITY LIFE INSURANCE | 231 | $103K |
| Long-term disability | KANSAS CITY LIFE INSURANCE | 231 | $78K |
| Other(3 contracts, 3 carriers) | KANSAS CITY LIFE INSURANCE | 231 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.