| 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 | $87K | — | $87K | 1.54% |
| BENEFIT WATCH LLC3 | 4969 MERCANTILE ROAD SUITE J BALTIMORE, MD 21236 | SUN LIFE ASSURANCE COMPANY OF CANADA | $33K | — | $33K | 8.57% |
| ROBERT W HORNFECK3 | 544 INDIAN TRAIL ROAD OTTUMWA, IA 52501 | AFLAC | $11K | $380 | $11K | 8.95% |
| HOLLY A BRINK3 | PO BOX 622 OSKALOOSA, IA 52577 | AFLAC | $1K | $60 | $1K | 1.06% |
| BETTY L WALKER-COWAN3 | 216 EAST MAPLE AVENUE OTTUMWA, IA 52501 | AFLAC | $1K | — | $1K | 1.02% |
| CORY D NELSON3 | 215 HIGHWAY 965 NORTHEAST SUITE 3 NORTH LIBERTY, IA 52317 | AFLAC | $838 | $76 | $914 | 0.72% |
| JANE W BARNHILL3 | 6636 NC HIGHWAY 43 SOUTH GREENVILLE, NC 27858 | AFLAC | $699 | — | $699 | 0.55% |
| HOLLY A BRINK3 | PO BOX 622 OSKALOOSA, IA 52577 | AFLAC | $556 | $17 | $573 | 0.45% |
| SHELBY RAE MCCORMACK3 | 22565 GEYER TRAIL UNIONVILLE, MO 63565 | AFLAC | $501 | — | $501 | 0.40% |
| KRINGS ENTERPRISES INC3 | 11116 AURORA AVENUE URBANDALE, IA 50322 | AFLAC | $410 | — | $410 | 0.32% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DRIVE SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $363 | — | $363 | 0.29% |
| BRAD P LUFKIN3 | 5530 WEST PARKWAY SUITE 500 JOHNSTON, IA 50131 | AFLAC | $305 | — | $305 | 0.24% |
| RITA A FOUBERT3 | 204 MALLARD POINTE DRIVE NORTHWEST BONDURANT, IA 50035 | AFLAC | $283 | — | $283 | 0.22% |
| ROBERT T CUMMINGS3 | 724 MAIN STREET PELLA, IA 50219 | AFLAC | $270 | — | $270 | 0.21% |
| TRAMPIS M PRESTON3 | 6844 BRISTLE BARK COURT WENDELL, NC 27591 | AFLAC | $236 | — | $236 | 0.19% |
| DALE PHILLIPS3 | 20651 US HIGHWAY 65 PRINCETON, MO 64673 | AFLAC | $130 | — | $130 | 0.10% |
| SCOTT R FRITCHER3 | 3511 131ST STREET URBANDALE, IA 50323 | AFLAC | $130 | — | $130 | 0.10% |
| CORY D NELSON3 | 215 HIGHWAY 965 NORTHEAST SUITE 1 NORTH LIBERTY, IA 52317 | AFLAC | $97 | — | $97 | 0.08% |
| BERNARD J BRAZEAU3 | 6705 GRIMES STREET INDIANOLA, IA 50126 | AFLAC | $71 | — | $71 | 0.06% |
| HEATHER D SWANSON3 | 4517 49TH PLACE DES MOINES, IA 50310 | AFLAC | $71 | — | $71 | 0.06% |
| HEATHER D SWANSON3 | 4517 49TH PLACE DES MOINES, IA 50310 | AFLAC | $71 | — | $71 | 0.06% |
| KACY A GRUENKEMEYER3 | 325 CHEROKEE BOULEVARD SUITE 102 CHATTANOOGA, TN 37405 | AFLAC | $52 | — | $52 | 0.04% |
| JEFFREY B HAMMEL3 | 3277 270TH AVENUE KEOKUK, IA 52632 | AFLAC | $42 | — | $42 | 0.03% |
| REBECCA L CHRISTY3 | 8358 COPPERHEAD ROAD OTTUMWA, IA 52501 | AFLAC | $36 | — | $36 | 0.03% |
| RONALD L HOVICK3 | 2214 SOUTHWEST 43RD TERRACE CAPE CORAL, FL 33914 | AFLAC | $34 | — | $34 | 0.03% |
| AUSTIN J PETERSON3 | 11116 AURORA AVENUE URBANDALE, IA 50322 | AFLAC | $31 | — | $31 | 0.02% |
| SHERRI L KALB3 | 31 PINE COURT MONTROSE, IA 52639 | AFLAC | $25 | — | $25 | 0.02% |
| DIANE F HUNDLEY3 | 1618 HOLLY LAKE CV SNELLVILLE, GA 30078 | AFLAC | $21 | — | $21 | 0.02% |
| BETTY L REEL3 | 21216 280TH STREET MOUNT STERLING, IA 52573 | AFLAC | $20 | — | $20 | 0.02% |
| JAMES S BEGER3 | 1953 FRANKLIN ROAD WEST POINT, IA 52656 | AFLAC | $15 | — | $15 | 0.01% |
| JEFFREY BARNHILL3 | 6636 NC HIGHWAY 43 SOUTH GREENVILLE, NC 27858 | AFLAC | $14 | — | $14 | 0.01% |
| HUNSICKER, BUTTERFIELD & ASSOC3 | PO BOX 160 OSCELA, IA 50213 | AFLAC | $13 | — | $13 | 0.01% |
| RONALD L HOVICK3 | 2214 SOUTHWEST 43RD TERRACE CAPE CORAL, FL 33914 | AFLAC | $9 | — | $9 | 0.01% |
| MITCHELL J MCCALL3 | 2708 HUNTERS RIDGE EDWARDSVILLE, IL 62025 | AFLAC | $7 | — | $7 | 0.01% |
| DONNA R WATSON3 | 1225 EAST RIVER DRIVE SUITE 315 DAVENPORT, IA 52803 | AFLAC | $6 | — | $6 | 0.00% |
| TEDDY LEE EARLES3 Filed as: TEDDY EARLES | 445 ANSLEY DRIVE ROSWELL, GA 30076 | AFLAC | $4 | — | $4 | 0.00% |
| JAMES W HAYWARD3 | 523 BENTON AVENUE EAST ALBIA, IA 52531 | AFLAC | $3 | — | $3 | 0.00% |
| WILLIAM M WARDLAW JR3 | 5300 OAKBROOK PARKWAY SUITE 300 NORCROSS, GA 30093 | AFLAC | $3 | — | $3 | 0.00% |
| KENT L MUNTZ3 | 103 ELM STREET PO BOX 7 FARMINGTON, IA 52626 | AFLAC | $2 | — | $2 | 0.00% |
| JAMES L HAYES3 | 1449 MARILYN DRIVE NORTH LIBERTY, IA 52317 | AFLAC | $2 | — | $2 | 0.00% |
| GINA WIEGAND3 Filed as: GINA WIEGAND INC | 20379 TWIN PINES DRIVE EARLHAM, IA 50072 | AFLAC | $1 | — | $1 | 0.00% |
| BROKER DEALER FINANCIAL SERVICE3 | PO BOX 71339 OLIVE, IA 50325 | AFLAC | $1 | — | $1 | 0.00% |
| PATERSON INSURANCE SERVICES INC3 | 4935 COPPER CREEK DRIVE PLEASANT HILL, IA 50327 | AFLAC | $1 | — | $1 | 0.00% |
| BENEFIT WATCH LLC3 | 4969 MERCANTILE ROAD SUITE J BALTIMORE, MD 21236 | VERATRUS BENEFIT SOLUTIONS | $6K | — | $6K | 10.00% |
| BENEFIT WATCH LLC3 | 8010 CORPORATE DRIVE NOTTINGHAM, MD 21236 | VERATRUS BENEFIT SOLUTIONS | $3K | — | $3K | 10.00% |
| BENEFIT WATCH LLC3 | 4969 MERCANTILE ROAD SUITE J BALTIMORE, MD 21236 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 19.67% |
| BENEFIT WATCH LLC3 | 4969 MERCANTILE ROAD SUITE J BALTIMORE, MD 21236 | DELTA DENTAL OF IOWA | $7K | $1K | $9K | — |
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 | 824 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 833 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 189 | $126K |
| Dental | DELTA DENTAL OF IOWA | 647 | $0 |
| Vision(2 contracts) | VERATRUS BENEFIT SOLUTIONS | 513 | $86K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 824 | $387K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 824 | $387K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 824 | $387K |
| Stop-loss / reinsurancereinsurance | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 691 | $5.7M |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 824 | $525K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 824 | — |
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.