| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NOEL INSURANCE3 Filed as: NOEL INSURANCE, INC. | 219 WEST FOURTH PO BOX 370 OTTUMWA, IA 52501 | WELLMARK INC. | $0 | $6K | $6K | 0.33% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LTD. | 12006 RIDGEMONT DRIVE URBANDALE, IA 50323 | WELLMARK INC. | $0 | $2K | $2K | 0.12% |
| NOEL INSURANCE3 | 219 WEST FOURTH PO BOX 370 OTTUMWA, IA 52501 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.55% |
| BETTY L WALKER-COWAN3 | 216 E MAPLE AVE OTTUMWA, IA 52501 | AFLAC | $3K | $158 | $3K | 6.52% |
| HUNSICKER, BUTTERFIELD & ASSOC3 | PO BOX 160 OSCEOLA, IA 50213 | AFLAC | $2K | $0 | $2K | 3.28% |
| REBECCA L CHRISTY3 | 8358 COPPERHEAD RD OTTUMWA, IA 52501 | AFLAC | $1K | $70 | $1K | 2.73% |
| CORY D NELSON3 | 215 HIGHWAY 965 NE STE3 NORTH LIBERTY, IA 52317 | AFLAC | $664 | $42 | $706 | 1.45% |
| HOLLY A BRINK3 | 1201 A AVE W OSKALOOSA, IA 52577 | AFLAC | $696 | $4 | $700 | 1.44% |
| TERRELL & COMPANY INC3 | 4401 WESTOWN PKWY STE 350 WEST DES MOINES, IA 50266 | AFLAC | $192 | $3 | $195 | 0.40% |
| HOWARD EATON3 | 3141 PRAIRIE ROSE DR NORWALK, IA 50211 | AFLAC | $139 | $3 | $142 | 0.29% |
| MATTHEW J CARRIKER3 | 801 FOX RUN DR OSKALOOSA, IA 52577 | AFLAC | $115 | $27 | $142 | 0.29% |
| BRAD P LUFKIN3 | 5530 WEST PKWY STE 500 JOHNSTON, IA 50131 | AFLAC | $114 | $0 | $114 | 0.23% |
| SHELBY RAE MCCORMACK3 | 804 STEWART ST UNIONVILLE, MO 63565 | AFLAC | $35 | $0 | $35 | 0.07% |
| MALINDA FLATTERY3 | 1201 3RD AVE E ALBIA, IA 52531 | AFLAC | $24 | $0 | $24 | 0.05% |
| MARY L WELLS3 | PO BOX 1096 CENTERVILLE, IA 52544 | AFLAC | $21 | $0 | $21 | 0.04% |
| KRINGS ENTERPRISES INC3 | 1330 PRAIRIE RIDGE DR POLK CITY, IA 50226 | AFLAC | $19 | $0 | $19 | 0.04% |
| DAVID PAUL GEE3 | 16876 HIGHWAY T14 MYSTIC, IA 52574 | AFLAC | $7 | $0 | $7 | 0.01% |
| MITCHELL J MCCALL3 | 3 STONERIDGE DR KEOKUK, IA 52632 | AFLAC | $7 | $0 | $7 | 0.01% |
| KACY A GRUENKEMEYER3 | 558 CLINGMANS LN CHATTANOOGA, TN 37419 | AFLAC | $5 | $0 | $5 | 0.01% |
| SCOTT R FRITCHER3 | 3511 131ST ST URBANDALE, IA 50323 | AFLAC | $3 | $0 | $3 | 0.01% |
| AUSTIN J PETERSON3 | 11116 AURORA AVE URBANDALE, IA 50322 | AFLAC | $2 | $0 | $2 | 0.00% |
| JAMES L HAYES3 | 1547 CEDAR SPRINGS CT NORTH LIBERTY, IA 52317 | AFLAC | $1 | $0 | $1 | 0.00% |
| BERNARD J BRAZEAU3 | 6705 GRIMES ST INDIANOLA, IA 50125 | AFLAC | $1 | $0 | $1 | 0.00% |
| HEATHER D SWANSON3 Filed as: HEATHER SWANSON | 4517 49TH PL DES MOINES, IA 50310 | AFLAC | $1 | $0 | $1 | 0.00% |
| NOEL INSURANCE3 | 219 WEST FOURTH PO BOX 370 OTTUMWA, IA 52501 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 14.39% |
| NOEL INSURANCE3 | 219 WEST FOURTH PO BOX 370 OTTUMWA, IA 52501 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.00% |
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 | 164 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK INC. | 104 | $1.7M |
| Dental(2 contracts, 2 carriers) | WELLMARK INC. | 126 | $131K |
| Vision | AFLAC | 57 | $49K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 162 | $67K |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 162 | $139K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 44 | $19K |
| Prescription drug | WELLMARK INC. | 104 | $1.7M |
| Other(2 contracts, 2 carriers) | AFLAC | 57 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.