| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NOEL INSURANCE3 | 219 WEST FOURTH PO BOX 370 OTTUMWA, IA 52501 | WELLMARK INC. | $0 | $8K | $8K | 0.39% |
| GROUP BENEFITS LTD3 | 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 | $5K | $0 | $5K | 3.27% |
| BETTY L WALKER-COWAN3 | 216 E MAPLE AVE OTTUMWA, IA 52501 | AFLAC | $6K | $0 | $6K | 10.14% |
| ETHAN PAUL MCAFEE3 | 264 BOULEVARD RD KEOKUK, IA 52632 | AFLAC | $937 | $0 | $937 | 1.65% |
| HUNSICKER, BUTTERFIELD & ASSOC3 | PO BOX 160 OSCEOLA, IA 50213 | AFLAC | $825 | $0 | $825 | 1.45% |
| HOLLY A BRINK3 | 30601 DEER TRAIL DR NEW HARTFORD, IA 50660 | AFLAC | $753 | $0 | $753 | 1.33% |
| REBECCA L CHRISTY3 | 8358 COPPERHEAD RD OTTUMWA, IA 52501 | AFLAC | $713 | $0 | $713 | 1.26% |
| GINA WIEGAND3 | 20379 TWIN PINES DR EARLHAM, IA 50072 | AFLAC | $450 | $0 | $450 | 0.79% |
| CORY D NELSON3 | 215 HIGHWAY 965 NE STE 3 NORTH LIBERTY, IA 52317 | AFLAC | $311 | $0 | $311 | 0.55% |
| JOSHUA D TERRELL3 | 812 VENETIAN ISLES DR APT 1 LAKE PARK, FL 33403 | AFLAC | $195 | $0 | $195 | 0.34% |
| CHRISTOPHER HAGER3 Filed as: CHRISTOPHER CUNDIFF | 1411 S 7TH ST ADEL, IA 50003 | AFLAC | $165 | $0 | $165 | 0.29% |
| THERESA WILLIAMS JONES3 | 125 CLIFFVIEW DR QUITMAN, AR 72131 | AFLAC | $106 | $0 | $106 | 0.19% |
| BRAD P LUFKIN3 | 5530 WEST PKWY STE 500 JOHNSTON, IA 50131 | AFLAC | $90 | $0 | $90 | 0.16% |
| JOHN W PFALTZGRAFF3 | 6105 CROWN LN DES MOINES, IA 50311 | AFLAC | $54 | $0 | $54 | 0.10% |
| HOWARD EATON3 | 3141 PRAIRIE ROSE DR NORWALK, IA 50211 | AFLAC | $49 | $0 | $49 | 0.09% |
| MATTHEW J CARRIKER3 | 801 FOX RUN DR OSKALOOSA, IA 52577 | AFLAC | $24 | $0 | $24 | 0.04% |
| SHELBY RAE MCCORMACK3 Filed as: SHELBY RAE PERRY | 804 STEWART ST UNIONVILLE, MO 63565 | AFLAC | $16 | $0 | $16 | 0.03% |
| KELCEY KRINGS3 | 5600 S 59TH ST STE 202 LINCOLN, NE 68516 | AFLAC | $6 | $0 | $6 | 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 | 7.95% |
| NOEL INSURANCE3 | 219 WEST FOURTH PO BOX 370 OTTUMWA, IA 52501 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 13.19% |
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 | 211 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK INC. | 136 | $1.9M |
| Dental(2 contracts, 2 carriers) | WELLMARK INC. | 157 | $156K |
| Vision | AFLAC | 56 | $57K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 204 | $83K |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 204 | $198K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 53 | $26K |
| Prescription drug | WELLMARK INC. | 136 | $1.9M |
| Other(2 contracts, 2 carriers) | AFLAC | 64 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.