| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT WATCH LLC3 Filed as: BENEFIT WATCH, LLC | 4969 MERCANTILE ROAD SUITE J BALTIMORE, MD 21236 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $87K | — | $87K | 1.38% |
| BENEFIT WATCH LLC3 | 4969 MERCANTILE ROAD SUITE J BALTIMORE, MD 21236 | SUN LIFE ASSURANCE COMPANY OF CANADA | $39K | — | $39K | 7.91% |
| ROBERT W HORNFECK3 | 544 INDIAN TRAIL ROAD OTTUMWA, IA 52501 | AFLAC | $14K | $655 | $14K | 9.37% |
| BETTY L WALKER-COWAN3 | 216 EAST MAPLE AVENUE OTTUMWA, IA 52501 | AFLAC | $1K | — | $1K | 0.92% |
| CORY D NELSON3 | 215 HIGHWAY 965 NORTHEAST SUITE 3 NORTH LIBERTY, IA 52317 | AFLAC | $1K | $128 | $1K | 0.79% |
| HOLLY A BRINK3 | 1201 A AVENUE WEST OSKALOOSA, IA 52577 | AFLAC | $1K | $8 | $1K | 0.68% |
| JANE W BARNHILL3 | 536 DOVEFIELD DRIVE INDIAN TRAIL, NC 28079 | AFLAC | $741 | — | $741 | 0.49% |
| CHRISTOPHER HAGER3 Filed as: CHRISTOPHER CUNDIFF | 1411 SOUTH 7TH STREET ADEL, IA 50003 | AFLAC | $625 | — | $625 | 0.41% |
| HOWARD EATON3 | 3141 PRAIRIE ROSE DRIVE NORWALK, IA 50211 | AFLAC | $454 | — | $454 | 0.30% |
| SHELBY RAE MCCORMACK3 | PO BOX 149 UNIONVILLE, MO 63565 | AFLAC | $441 | — | $441 | 0.29% |
| KRINGS ENTERPRISES INC3 | 1330 PRAIRIE RIDGE DRIVE POLK CITY, IA 50226 | AFLAC | $374 | — | $374 | 0.25% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DRIVE SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $363 | — | $363 | 0.24% |
| BRAD P LUFKIN3 | 5530 WEST PARKWAY SUITE 500 JOHNSTON, IA 50131 | AFLAC | $298 | — | $298 | 0.20% |
| RITA A FOUBERT3 | 204 MALLARD POINTE DRIVE NORTHWEST BONDURANT, IA 50035 | AFLAC | $269 | — | $269 | 0.18% |
| DALE PHILLIPS3 | 707 EAST CRANDALL STREET MEADVILLE, MO 64659 | AFLAC | $148 | — | $148 | 0.10% |
| SCOTT R FRITCHER3 | 3511 131ST STREET URBANDALE, IA 50323 | AFLAC | $126 | — | $126 | 0.08% |
| MATTHEW J CARRIKER3 | 801 FOX RUN DRIVE OSKALOOSA, IA 52577 | AFLAC | $88 | $10 | $98 | 0.06% |
| TRAMPIS M PRESTON3 | 6844 BRISTLE BARK COURT WENDELL, NC 27591 | AFLAC | $88 | — | $88 | 0.06% |
| BERNARD J BRAZEAU3 | 6705 GRIMES STREET INDIANOLA, IA 50125 | AFLAC | $73 | — | $73 | 0.05% |
| HEATHER D SWANSON3 | 4517 49TH PLACE DES MOINES, IA 50310 | AFLAC | $73 | — | $73 | 0.05% |
| REBECCA L CHRISTY3 | 8358 COPPERHEAD ROAD OTTUMWA, IA 52501 | AFLAC | $60 | — | $60 | 0.04% |
| KACY A GRUENKEMEYER3 | 543 ALSTON DRIVE CHATTANOOGA, TN 37419 | AFLAC | $46 | — | $46 | 0.03% |
| JEFFREY B HAMMEL3 | 3277 270TH AVENUE KEOKUK, IA 52632 | AFLAC | $46 | — | $46 | 0.03% |
| RONALD L HOVICK3 | 2214 SOUTHWEST 43RD TERRACE CAPE CORAL, FL 33914 | AFLAC | $45 | — | $45 | 0.03% |
| DINO COSTANZO3 Filed as: DINO P COSTANZO | 273 SOUTH 62ND STREET WEST DES MOINES, IA 50266 | AFLAC | $29 | — | $29 | 0.02% |
| AUSTIN J PETERSON3 | 11116 AURORA AVENUE URBANDALE, IA 50322 | AFLAC | $25 | — | $25 | 0.02% |
| BETTY L REEL3 | 21216 280TH STREET MOUNT STERLING, IA 52573 | AFLAC | $24 | — | $24 | 0.02% |
| DIANE F HUNDLEY3 | 4024 LAWRENCEVILLE HIGHWAY NORTHWEST PMB 401 SUITE 17 LILBURN, GA 30047 | AFLAC | $22 | — | $22 | 0.01% |
| SHERRI L KALB3 | 31 PINE COURT MONTROSE, IA 52639 | AFLAC | $21 | — | $21 | 0.01% |
| HUNSICKER, BUTTERFIELD & ASSOC3 Filed as: HUNSICKER, BUTTERFIELD & ASSOCIATES | PO BOX 160 OSCEOLA, IA 50213 | AFLAC | $15 | — | $15 | 0.01% |
| JAMES S BEGER3 | 1953 FRANKLIN ROAD WEST POINT, IA 52656 | AFLAC | $12 | — | $12 | 0.01% |
| TEDDY LEE EARLES3 | 445 ANSLEY DRIVE ROSWELL, GA 30076 | AFLAC | $12 | — | $12 | 0.01% |
| GINA WIEGAND3 | 5904 NORTHWEST 95TH COURT JOHNSTON, IA 50131 | AFLAC | $11 | — | $11 | 0.01% |
| BROKER DEALER FINANCIAL SERVICE3 | 140 SOUTH 68TH STREET WEST DES MOINES, IA 50266 | AFLAC | $10 | — | $10 | 0.01% |
| CHRISTINA PATERSON3 | 4935 COPPER CREEK DRIVE PLEASANT HILL, IA 50327 | AFLAC | $10 | — | $10 | 0.01% |
| MITCHELL J MCCALL3 | 3 STONERIDGE DRIVE KEOKUK, IA 52632 | AFLAC | $7 | — | $7 | 0.00% |
| MONICA WHITE3 Filed as: MONICA L WHITE | 28876 DELTA AVENUE TREYNOR, IA 51575 | AFLAC | $5 | — | $5 | 0.00% |
| DONNA R WATSON3 | 1225 EAST RIVER DRIVE SUITE 315 DAVENPORT, IA 52803 | AFLAC | $4 | — | $4 | 0.00% |
| WILLIAM M WARDLAW JR3 | 5300 OAKBROOK PARKWAY SUITE 300 NORCROSS, GA 30093 | AFLAC | $3 | — | $3 | 0.00% |
| JAMES L HAYES3 | 1547 CEDAR SPRINGS COURT NORTH LIBERTY, IA 52317 | AFLAC | $2 | — | $2 | 0.00% |
| BENEFIT WATCH LLC3 | 4969 MERCANTILE ROAD SUITE J BALTIMORE, MD 21236 | VERATRUS BENEFIT SOLUTIONS | $7K | — | $7K | 10.43% |
| BENEFIT WATCH LLC3 | 4969 MERCANTILE ROAD SUITE J BALTIMORE, MD 21236 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 19.63% |
| BENEFIT WATCH LLC3 | 4969 MERCANTILE ROAD SUITE J BALTIMORE, MD 21236 | DELTA DENTAL OF IOWA | $8K | $2K | $10K | — |
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 | 773 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 777 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 182 | $152K |
| Dental | DELTA DENTAL OF IOWA | 717 | $0 |
| Vision | VERATRUS BENEFIT SOLUTIONS | 589 | $66K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 892 | $490K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 892 | $490K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 892 | $490K |
| Stop-loss / reinsurancereinsurance | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 752 | $6.3M |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 892 | $661K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 892 | — |
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.