| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT WATCH LLC3 | 8010 CORPORATE DRIVE SUITE A BALTIMORE, MD 21236 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $86K | — | $86K | 1.59% |
| BENEFIT WATCH LLC3 | 4969 MERCANTILE ROAD SUITE J BALTIMORE, MD 21236 | SUN LIFE ASSURANCE COMPANY OF CANADA | $33K | — | $33K | 8.37% |
| ROBERT W HORNFECK3 | 544 INDIAN TRAIL ROAD OTTUMWA, IA 52501 | AFLAC | $12K | $361 | $13K | 8.67% |
| HOLLY A BRINK3 | PO BOX 622 OSKALOOSA, IA 52577 | AFLAC | $2K | $72 | $2K | 1.19% |
| BETTY L WALKER-COWAN3 | 216 EAST MAPLE AVENUE OTTUMWA, IA 52501 | AFLAC | $2K | — | $2K | 1.06% |
| JANE W BARNHILL3 | 6636 NC HIGHWAY 43 SOUTH GREENVILLE, NC 27858 | AFLAC | $865 | — | $865 | 0.59% |
| BRAD P LUFKIN3 | 5530 WEST PARKWAY SUITE 500 JOHNSTON, IA 50131 | AFLAC | $660 | $63 | $723 | 0.49% |
| SHELBY RAE MCCORMACK3 | 22565 GEYER TRAIL UNIONVILLE, MO 63565 | AFLAC | $685 | — | $685 | 0.47% |
| CORY D NELSON3 | 215 HIGHWAY 965 NORTHEAST SUITE 1 NORTH LIBERTY, IA 52317 | AFLAC | $583 | $10 | $593 | 0.40% |
| KRINGS ENTERPRISES INC3 | 5530 WEST PARKWAY SUITE 100 JOHNSTON, IA 50131 | AFLAC | $544 | — | $544 | 0.37% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DRIVE SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $457 | — | $457 | 0.31% |
| RITA A FOUBERT3 | 204 MALLARD POINTE DRIVE NORTHWEST BONDURANT, IA 50035 | AFLAC | $356 | — | $356 | 0.24% |
| ROBERT T CUMMINGS3 | 724 MAIN STREET PELLA, IA 50219 | AFLAC | $319 | — | $319 | 0.22% |
| TRAMPIS M PRESTON3 | 6844 BRISTLE BARK COURT WENDELL, NC 27591 | AFLAC | $280 | — | $280 | 0.19% |
| DALE PHILLIPS3 | 20651 US HIGHWAY 65 PRINCETON, MO 64673 | AFLAC | $174 | — | $174 | 0.12% |
| SCOTT R FRITCHER3 | 3511 131ST STREET URBANDALE, IA 50323 | AFLAC | $168 | — | $168 | 0.11% |
| BERNARD J BRAZEAU3 | 6705 GRIMES STREET INDIANOLA, IA 50126 | AFLAC | $90 | — | $90 | 0.06% |
| KACY A GRUENKEMEYER3 | 5530 WEST PARKWAY SUITE 100 JOHNSTON, IA 50131 | AFLAC | $73 | — | $73 | 0.05% |
| HEATHER D SWANSON3 | 4517 49TH PLACE DES MOINES, IA 50310 | AFLAC | $59 | — | $59 | 0.04% |
| RONALD L HOVICK3 | 2214 SOUTHWEST 43RD TERRACE CAPE CORAL, FL 33914 | AFLAC | $53 | — | $53 | 0.04% |
| JEFFREY B HAMMEL3 | 3277 270TH AVENUE KEOKUK, IA 52632 | AFLAC | $51 | — | $51 | 0.03% |
| REBECCA L CHRISTY3 | 13936 120TH STREET OTTUMWA, IA 52501 | AFLAC | $43 | — | $43 | 0.03% |
| AUSTIN J PETERSON3 | 11116 AURORA AVENUE URBANDALE, IA 50322 | AFLAC | $41 | — | $41 | 0.03% |
| SHERRI L KALB3 | 31 PINE COURT MONTROSE, IA 52639 | AFLAC | $35 | — | $35 | 0.02% |
| HEATHER D SWANSON3 | 4608 67TH STREET URBANDALE, IA 50322 | AFLAC | $30 | — | $30 | 0.02% |
| BETTY L REEL3 | 21216 280TH STREET MOUNT STERLING, IA 52573 | AFLAC | $24 | — | $24 | 0.02% |
| JEFFREY BARNHILL3 | 6636 NC HIGHWAY 43 SOUTH GREENVILLE, NC 27858 | AFLAC | $24 | — | $24 | 0.02% |
| JAMES S BEGER3 | 1953 FRANKLIN ROAD WEST POINT, IA 52656 | AFLAC | $20 | — | $20 | 0.01% |
| HUNSICKER, BUTTERFIELD & ASSOC3 | PO BOX 160 OSCELA, IA 50213 | AFLAC | $15 | — | $15 | 0.01% |
| JAMES W HAYWARD3 | 523 BENTON AVENUE EAST ALBIA, IA 52531 | AFLAC | $10 | — | $10 | 0.01% |
| DONNA R WATSON3 | 876 TANGLEFOOT LANE BETTENDORF, IA 52722 | AFLAC | $9 | — | $9 | 0.01% |
| MITCHELL J MCCALL3 | 1355 NORTH BLUFF ROAD SUITE A COLLINSVILLE, IL 62234 | AFLAC | $8 | — | $8 | 0.01% |
| KENT L MUNTZ3 | 103 ELM STREET PO BOX 7 FARMINGTON, IA 52626 | AFLAC | $4 | — | $4 | 0.00% |
| JAMES L HAYES3 | 1449 MARILYN DRIVE NORTH LIBERTY, IA 52317 | AFLAC | $2 | — | $2 | 0.00% |
| BENEFIT WATCH LLC3 | 8010 CORPORATE DRIVE NOTTINGHAM, MD 21236 | DELTA DENTAL OF IOWA | $3K | $2K | $5K | 5.31% |
| PHILIP BUCHANAN3 Filed as: PHILIP K BUCHANAN C/O BENEFIT WATCH | 4969 MERCANTILE ROAD SUITE J BALTIMORE, MD 21236 | EYEMED VISION CARE | $4K | — | $4K | 9.92% |
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 | 820 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 832 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 190 | $147K |
| Dental | DELTA DENTAL OF IOWA | 268 | $102K |
| Vision | EYEMED VISION CARE | 0 | $44K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 745 | $393K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 745 | $393K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 745 | $393K |
| Stop-loss / reinsurancereinsurance | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 624 | $5.4M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 745 | $540K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 745 | — |
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.