| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NOEL INSURANCE3 | 219 WEST FOURTH PO BOX 370 OTTUMWA, IA 52501 | WELLMARK INC. | $0 | $9K | $9K | 0.38% |
| GROUP BENEFITS LTD3 | 12006 RIDGEMONT DRIVE URBANDALE, IA 50323 | WELLMARK INC. | $0 | $2K | $2K | 0.10% |
| NOEL INSURANCE3 | 219 WEST FOURTH PO BOX 370 OTTUMWA, IA 52501 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 3.13% |
| BETTY L WALKER-COWAN3 | 216 E MAPLE AVE OTTUMWA, IA 52501 | AFLAC | $5K | $384 | $5K | 9.15% |
| HOLLY A BRINK3 | 30601 DEER TRAIL DR NEW HARTFORD, IA 50660 | AFLAC | $968 | $73 | $1K | 1.74% |
| ETHAN PAUL MCAFEE3 | 264 BOULEVARD RD KEOKUK, IA 52632 | AFLAC | $917 | $73 | $990 | 1.65% |
| NOEL INSURANCE3 | PO BOX 370 OTTUMWA, IA 52501 | AFLAC | $786 | $0 | $786 | 1.31% |
| REBECCA L CHRISTY3 | 8358 COPPERHEAD RD OTTUMWA, IA 52501 | AFLAC | $556 | $5 | $561 | 0.94% |
| CORY D NELSON3 | 215 HIGHWAY 965 NE STE 3 NORTH LIBERTY, IA 52317 | AFLAC | $305 | $0 | $305 | 0.51% |
| GINA M WESOLEK3 Filed as: GINA WIEGAND | 20379 TWIN PINES DR EARLHAM, IA 50072 | AFLAC | $184 | $0 | $184 | 0.31% |
| JOSHUA D TERRELL3 | 812 VENETIAN ISLES DR APT 1 LAKE PARK, FL 33403 | AFLAC | $182 | $0 | $182 | 0.30% |
| CHRISTOPHER HAGER3 Filed as: CHRISTOPHER CUNDIFF | 1411 S 7TH ST ADEL, IA 50003 | AFLAC | $147 | $0 | $147 | 0.25% |
| THERESA WILLIAMS JONES3 | 125 CLIFFVIEW DR QUITMAN, AR 72131 | AFLAC | $118 | $0 | $118 | 0.20% |
| BRAD P LUFKIN3 | 5530 WEST PKWY STE 500 JOHNSTON, IA 50131 | AFLAC | $89 | $0 | $89 | 0.15% |
| JOHN W PFALTZGRAFF3 | 6105 CROWN LN DES MOINES, IA 50311 | AFLAC | $70 | $0 | $70 | 0.12% |
| HOWARD EATON3 | 3141 PRAIRIE ROSE DR NORWALK, IA 50211 | AFLAC | $46 | $0 | $46 | 0.08% |
| MATTHEW J CARRIKER3 | 801 FOX RUN DR OSKALOOSA, IA 52577 | AFLAC | $32 | $0 | $32 | 0.05% |
| BRITNEY J GOODDING3 | 1716 S 9TH AVE ELDRIDGE, IA 52748 | AFLAC | $26 | $0 | $26 | 0.04% |
| SHELBY RAE MCCORMACK3 Filed as: SHELBY RAE PERRY | 804 STEWART ST UNIONVILLE, MO 63565 | AFLAC | $17 | $0 | $17 | 0.03% |
| MATTHEW J SCHNEIDER3 | 1225 E RIVER DR DAVENPORT, IA 52803 | AFLAC | $15 | $0 | $15 | 0.03% |
| LARRY A. VOGT3 Filed as: LARRY A VOGT | 1750 CREEK WOOD DR DUBUQUE, IA 52003 | AFLAC | $11 | $0 | $11 | 0.02% |
| DONNA R WATSON3 | 329 LA JOYA PASS LEANDER, TX 78641 | AFLAC | $9 | $0 | $9 | 0.02% |
| KELCEY KRINGS3 | 5600 S 59TH ST STE 202 LINCOLN, NE 68516 | AFLAC | $7 | $0 | $7 | 0.01% |
| KACY A GRUENKEMEYER3 | 558 CLINGMANS LN CHATTANOOGA, TN 37419 | AFLAC | $3 | $0 | $3 | 0.01% |
| SCOTT R FRITCHER3 | 212 NW SUNSET LN GRIMES, IA 50111 | AFLAC | $2 | $0 | $2 | 0.00% |
| AUSTIN J PETERSON3 | 11116 AURORA AVE URBANDALE, IA 50322 | AFLAC | $1 | $0 | $1 | 0.00% |
| NOEL INSURANCE3 | 219 WEST FOURTH PO BOX 370 OTTUMWA, IA 52501 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.69% |
| NOEL INSURANCE3 | 219 WEST FOURTH PO BOX 370 OTTUMWA, IA 52501 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 12.52% |
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 | 217 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | WELLMARK INC. | 164 | $172K |
| Vision | AFLAC | 54 | $60K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 202 | $88K |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 202 | $210K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 57 | $27K |
| Other(2 contracts, 2 carriers) | AFLAC | 70 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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."
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.