| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT WATCH LLC3 | 4969 MERCANTILE ROAD SUITE J BALTIMORE, MD 21236 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $84K | — | $84K | 1.06% |
| BENEFIT WATCH LLC3 | 4969 MERCANTILE ROAD SUITE J BALTIMORE, MD 21236 | SUN LIFE ASSURANCE COMPANY OF CANADA | $40K | — | $40K | 7.83% |
| ROBERT W HORNFECK3 | 544 INDIAN TRAIL ROAD OTTUMWA, IA 52501 | AFLAC | $11K | $466 | $12K | 8.46% |
| CHRISTOPHER HAGER3 Filed as: CHRISTOPHER CUNDIFF | 1411 SOUTH 7TH STREET ADEL, IA 50003 | AFLAC | $1K | $104 | $1K | 1.03% |
| BETTY L WALKER-COWAN3 Filed as: BETTY WALKER-COWAN | 216 EAST MAPLE AVENUE OTTUMWA, IA 52501 | AFLAC | $1K | — | $1K | 0.84% |
| HOWARD EATON3 | 3141 PRAIRIE ROSE DRIVE NORWALK, IA 50211 | AFLAC | $781 | $109 | $890 | 0.64% |
| HOLLY A BRINK3 | 1201 A AVENUE WEST OSKALOOSA, IA 52577 | AFLAC | $838 | — | $838 | 0.60% |
| JANE W BARNHILL3 | 536 DOVEFIELD DRIVE INDIAN TRAIL, NC 28079 | AFLAC | $639 | — | $639 | 0.46% |
| CORY D NELSON3 | 215 HIGHWAY 965 NORTHEAST SUITE 3 NORTH LIBERTY, IA 52317 | AFLAC | $510 | — | $510 | 0.37% |
| SHELBY RAE MCCORMACK3 Filed as: SHELBY RAE PERRY | 804 STEWART STREET UNIONVILLE, MO 63565 | AFLAC | $370 | — | $370 | 0.27% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DRIVE SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $311 | — | $311 | 0.22% |
| KRINGS ENTERPRISES INC3 | 1330 PRAIRIE RIDGE DRIVE SUITE 102 POLK CITY, IL 50226 | AFLAC | $310 | — | $310 | 0.22% |
| JOHN W PFALTZGRAFF3 | 6105 CROWN LANE DES MOINES, IA 80311 | AFLAC | $277 | — | $277 | 0.20% |
| BRAD P LUFKIN3 | 5530 WEST PARKWAY SUITE 500 JOHNSTON, IA 50131 | AFLAC | $277 | — | $277 | 0.20% |
| RITA A FOUBERT3 | 204 MALLARD POINTE DRIVE NORTHWEST BONDURANT, IA 50035 | AFLAC | $226 | — | $226 | 0.16% |
| GINA WIEGAND3 | 20379 TWIN PINES DRIVE EARLHAM, IA 50072 | AFLAC | $142 | — | $142 | 0.10% |
| DALE PHILLIPS3 | 707 EAST CRANDALL STREET URBANDALE, IA 50323 | AFLAC | $106 | — | $106 | 0.08% |
| SCOTT R FRITCHER3 | 3511 131ST STREET URBANDALE, IA 50323 | AFLAC | $106 | — | $106 | 0.08% |
| BERNARD J BRAZEAU3 | 6705 GRIMES STREET INDIANOLA, IA 50125 | AFLAC | $62 | — | $62 | 0.04% |
| HEATHER D SWANSON3 | 115 SOUTHEAST BAYTREE DRIVE WAUKEE, IA 50263 | AFLAC | $62 | — | $62 | 0.04% |
| REBECCA L CHRISTY3 | 8358 COPPERHEAD ROAD OTTUMWA, IA 52501 | AFLAC | $40 | — | $40 | 0.03% |
| RONALD L HOVICK3 | 2214 SOUTHWEST 43RD TERRACE CAPE CORAL, FL 33914 | AFLAC | $39 | — | $39 | 0.03% |
| KACY A GRUENKEMEYER3 | 558 CLINGMANS LANE CHATTANOOGA, TN 37419 | AFLAC | $37 | — | $37 | 0.03% |
| JEFFREY B HAMMEL3 Filed as: JEFFREY B HAMMELL | 3277 270TH AVENUE KEOKUK, IA 52632 | AFLAC | $37 | — | $37 | 0.03% |
| MATTHEW J CARRIKER3 | 801 FOX RUN DRIVE OSKALOOSA, IA 52577 | AFLAC | $27 | — | $27 | 0.02% |
| BETTY L REEL3 | 1501 LONE OAK CIRCLE FAIRFIELD, IA 50322 | AFLAC | $20 | — | $20 | 0.01% |
| AUSTIN J PETERSON3 | 11116 AURORA AVENUE URBANDALE, IA 50322 | AFLAC | $20 | — | $20 | 0.01% |
| DIANE F HUNDLEY3 | 4024 LAWRENCEVILLE HIGHWAY NORTHWEST PMB 401 SUITE 17 LILBURN, GA 30047 | AFLAC | $18 | — | $18 | 0.01% |
| SHERRI L KALB3 | 31 PINE COURT MONTROSE, IA 52639 | AFLAC | $17 | — | $17 | 0.01% |
| HUNSICKER, BUTTERFIELD & ASSOC3 Filed as: HUNSICKER, BUTTERFIELD & ASSOCIATES | PO BOX 160 OSCEOLA, IA 50213 | AFLAC | $14 | — | $14 | 0.01% |
| JAMES S BEGER3 | 1953 FRANKLIN ROAD WEST POINT, IA 52656 | AFLAC | $10 | — | $10 | 0.01% |
| TEDDY LEE EARLES3 | 445 ANSLEY DRIVE ROSWELL, GA 30076 | AFLAC | $10 | — | $10 | 0.01% |
| BROKER DEALER FINANCIAL SERVICE3 | 140 SOUTH 68TH STREET WEST DES MOINES, IA 50266 | AFLAC | $9 | — | $9 | 0.01% |
| CHRISTINA PATERSON3 | 4935 COPPER CREEK DRIVE PLEASANT HILL, IA 50327 | AFLAC | $9 | — | $9 | 0.01% |
| MITCHELL J MCCALL3 | 3 STONERIDGE DRIVE KEOKUK, IA 52632 | AFLAC | $7 | — | $7 | 0.01% |
| SUNJA L HUNOLD3 | 2031 AVENUE G FORT MADISON, IA 52627 | AFLAC | $4 | — | $4 | 0.00% |
| DONNA R WATSON3 | 329 LA JOYA PASS LEANDER, TX 78641 | AFLAC | $3 | — | $3 | 0.00% |
| GINA WIEGAND3 | 5904 NORTHWEST 95TH COURT JOHNSTON, IA 50131 | AFLAC | $2 | — | $2 | 0.00% |
| JAMES L HAYES3 | 1547 CEDAR SPRINGS COURT NORTH LIBERTY, IA 52317 | AFLAC | $1 | — | $1 | 0.00% |
| NANCY A BALLINGER3 | PO BOX 122 FORT MADISON, IA 52627 | AFLAC | $1 | — | $1 | 0.00% |
| BENEFIT WATCH LLC3 | 4969 MERCANTILE ROAD SUITE J BALTIMORE, MD 21236 | VERATRUS BENEFIT SOLUTIONS | $7K | — | $7K | 10.00% |
| BENEFIT WATCH LLC3 | 4969 MERCANTILE ROAD SUITE J BALTIMORE, MD 21236 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 19.58% |
| 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 | 853 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 867 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 159 | $140K |
| Dental | DELTA DENTAL OF IOWA | 676 | $0 |
| Vision | VERATRUS BENEFIT SOLUTIONS | 572 | $72K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 910 | $509K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 910 | $509K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 910 | $509K |
| Stop-loss / reinsurancereinsurance | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 700 | $7.9M |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 910 | $670K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 910 | — |
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.