| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | UNITEDHEALTHCARE INSURANCE COMPANY | $29K | $0 | $29K | 1.06% |
| USI INSURANCE SERVICES LLC3 | 245 NORTH WACO, SUITE 412 WICHITA, KS 67202 | KANSAS CITY LIFE INSURANCE COMPANY | $6K | $0 | $6K | 11.89% |
| RHONDA S PAPE3 Filed as: RHONDA S. PAPE | 115 EAST PLATT STREET MAQUOETA, IA 52060 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.18% |
| COLE PAPE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.36% |
| DANE PAPE3 Filed as: DANE A, PAPE | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.36% |
| USI INSURANCE SERVICES LLC3 | 9700 ORMSBY STATION ROAD, SUITE 200 LOUISVILLE, KY 40242 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.98% |
| CHRISTOPHER STROUD3 | 269 ROBERTSON WAY LINCOLN PARK, NJ 07035 | TRANSAMERICA LIFE INSURANCE COMPANY | $20 | $0 | $20 | 0.08% |
| RHONDA S PAPE3 Filed as: RHONDA S. PAPE | 115 EAST PLATT STREET MAQUOETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.94% |
| USI INSURANCE SERVICES LLC3 | 245 NORTH WACO, SUITE 412 WICHITA, KS 67202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.07% |
| COLE PAPE3 | 115 EAST PLATT STREET MAQUOKETA, VA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $643 | $0 | $643 | 2.76% |
| DANE PAPE3 Filed as: DANE A. PAPE | 115 EAST PLATT STREET MAQUOKETA, VA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $602 | $0 | $602 | 2.59% |
| ALAN PAPE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $79 | $0 | $79 | 0.34% |
| RHONDA S PAPE3 Filed as: RHONDA S. PAPE | 115 EAST PLATT STREET MAQUOETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 7.65% |
| USI INSURANCE SERVICES LLC3 | 245 NORTH WACO, SUITE 412 WICHITA, KS 67202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $996 | $0 | $996 | 7.00% |
| COLE PAPE3 | 115 EAST PLATT STREET MAQUOKETA, VA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $508 | $0 | $508 | 3.57% |
| DANE PAPE3 Filed as: DANE A. PAPE | 115 EAST PLATT STREET MAQUOKETA, VA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $484 | $0 | $484 | 3.40% |
| ALAN PAPE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $72 | $0 | $72 | 0.51% |
| RHONDA S PAPE3 Filed as: RHONDA S. PAPE | 115 EAST PLATT STREET MAQUOETA, VA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $589 | $0 | $589 | 5.20% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $506 | $0 | $506 | 4.47% |
| COLE PAPE3 | 115 EAST PLATT STREET MAQUOKETA, VA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $303 | $0 | $303 | 2.68% |
| DANE PAPE3 Filed as: DANE A. PAPE | 115 EAST PLATT STREET MAQUOKETA, VA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $285 | $0 | $285 | 2.52% |
| USI INSURANCE SERVICES LLC3 | 245 NORTH WACO, SUITE 412 WICHITA, KS 67202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $955 | $0 | $955 | 12.44% |
| RHONDA S PAPE3 Filed as: RHONDA S. PAPE | 115 EAST PLATT STREET MAQUOETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $169 | $0 | $169 | 3.77% |
| USI INSURANCE SERVICES LLC3 | 245 NORTH WACO, SUITE 412 WICHITA, KS 67202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $140 | $0 | $140 | 3.13% |
| COLE PAPE3 | 115 EAST PLATT STREET MAQUOKETA, VA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $75 | $0 | $75 | 1.67% |
| DANE PAPE3 Filed as: DANE A. PAPE | 115 EAST PLATT STREET MAQUOKETA, VA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $71 | $0 | $71 | 1.58% |
| ALAN PAPE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | $0 | $10 | 0.22% |
| RHONDA S PAPE3 Filed as: RHONDA S. PAPE | 115 EAST PLATT STREET MAQUOETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $84 | $0 | $84 | 3.07% |
| USI INSURANCE SERVICES LLC3 | 245 NORTH WACO, SUITE 412 WICHITA, KS 67202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $72 | $0 | $72 | 2.63% |
| COLE PAPE3 | 115 EAST PLATT STREET MAQUOKETA, VA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $38 | $0 | $38 | 1.39% |
| DANE PAPE3 Filed as: DANE A. PAPE | 115 EAST PLATT STREET MAQUOKETA, VA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $37 | $0 | $37 | 1.35% |
| ALAN PAPE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | $0 | $3 | 0.11% |
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 | 899 | 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) | 899 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(4 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,729 | $2.8M |
| Short-term disability(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,729 | $2.7M |
| Long-term disability(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,729 | $2.7M |
| Other(7 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,729 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,729 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.