Pay vs Performance Disclosure


(a)	(b)	(c)	(d)	(e)	(f)	(g)	(j)	(k)	(j)	(k)
							Value of Initial Fixed $100 Investment Based on: (4)
Year (1)	Summary Compensation Table Total for Current PEO ($)(2)	Summary Compensation Table Total for Former PEO ($)(2)	Compensation Actually Paid to Current PEO ($)(3)	Compensation Actually Paid to Former PEO ($)(3)	Average Summary Compensation Table Total for Non-PEO NEOs ($)(2)	Average Compensation Actually Paid to Non-PEO NEOs ($)(3)	Total Shareholder Return ($)	Peer Group Total Shareholder Return ($)(5)	Net Income ($000s)	Adjusted ROE (%)(6)
2024	$3,602,216	N/A	$4,998,453	N/A	$1,429,453	$1,820,377	$72.60	$152.77	$31,442	7.9%
2023	$2,750,297	N/A	$1,740,613	N/A	$1,452,785	$1,037,819	$51.49	$114.50	$-29,689	-3.8%
2022	$1,551,845	$1,739,780	$1,562,931	$1,468,766	$825,850	$838,313	$68.01	$107.88	$15,031	3.0%
2021	N/A	$2,387,206	N/A	$2,678,683	$865,170	$802,746	$56.44	$118.13	$80,594	7.2%
2020	N/A	$2,118,816	N/A	$686,264	$1,075,628	$475,102	$59.76	$100.89	$-112,706	-13.4%


Year	Current PEO	Former PEO	Non-PEO NEOs
2024	Kevin J. Leidwinger		Julie A. Stephenson; Eric J. Martin; Sarah E. Madsen; and Steven Hernandez
2023	Kevin J. Leidwinger		Julie A. Stephenson; Eric J. Martin; Robert F. Cataldo; and Micah Woolstenhulme
2022	Kevin J. Leidwinger	Randy A. Ramlo	Eric J. Martin; Robert F. Cataldo; Jeremy J. Bahl; Micah Woolstenhulme; Randy L. Patten; and Michael T. Wilkins
2021		Randy A. Ramlo	Michael T. Wilkins; Randy L. Patten; Robert F. Cataldo; Micah Woolstenhulme; and Dawn M. Jaffray
2020		Randy A. Ramlo	Michael T. Wilkins; Dawn M. Jaffray; Robert F. Cataldo; and Neal R. Scharmer

(2)Amounts reported in this column represent (i) the total compensation reported in the Summary Compensation Table for the applicable year in the case of Messrs Leidwinger and Ramlo and (ii) the average of the total compensation reported in the Summary Compensation Table for the applicable year for the Company’s named executive officers reported for the applicable year other than the PEOs for such years.


	2020		2021		2022			2023		2024
Adjustments	Former PEO	Average non-PEO NEOs	Former PEO	Average non-PEO NEOs	Former PEO	Current PEO	Average non-PEO NEOs	Current PEO	Average non-PEO NEOs	Current PEO	Average non-PEO NEOs
Deduction for Amounts Reported under the “Stock Awards” and “Option Awards” Columns in the Summary Compensation Table for Applicable FY (a)	$-570,904	$-316,962	$-856,025	$-282,058	$-297,179	$-919,152	$-296,673	$-1,500,009	$-604,516	$-1,561,248	$-517,447
Increase based on ASC 718 Fair Value of Awards Granted during Applicable FY that Remain Unvested as of Applicable FY End, determined as of Applicable FY End (b)	$244,579	$150,389	$678,624	$221,278	$52,121	$758,427	$232,501	$853,662	$325,097	$2,605,123	$796,916
Increase based on ASC 718 Fair Value of Awards Granted during Applicable FY that Vested during Applicable FY, determined as of Vesting Date (c)	$—	$—	$—	$—	$—	$171,811	$32,232	$—	$62,291	$—	$—
Increase/deduction for Awards Granted during Prior FY that were Outstanding and Unvested as of Applicable FY End, determined based on change in ASC 718 Fair Value from Prior FY End to Applicable FY End (d)	$-815,303	$-248,518	$60,113	$12,296	$102,827	$—	$33,568	$-326,705	$-180,706	$246,918	$97,360
Increase/deduction for Awards Granted during Prior FY that Vested During Applicable FY, determined based on change in ASC 718 Fair Value from Prior FY End to Vesting Date (e)	$-63,206	$-21,734	$379,673	$82,599	$303,084	$—	$40,726	$-42,231	$111	$111,921	$13,671


Deduction of ASC 718 Fair Value of Awards Granted during Prior FY that were Forfeited during Applicable FY, determined as of Prior FY End (f)	$—	$—	$-76,166	$-112,552	$-521,131	$—	$-49,924	$—	$-3,439	$—	$—
Increase based on Dividends or Other Earnings Paid during Applicable FY prior to Vesting Date	$74,600	$16,632	$98,373	$19,217	$64,267	$—	$6,439	$5,600	$4,217	$9,333	$3,159
Increase based on Incremental Fair Value of Options/SARs Modified during Applicable FY	$—	$—	$—	$—	$—	$—	$—	$—	$—	$—	$—
Deduction for Change in the Actuarial Present Values reported under the “Change in Pension Value and Nonqualified Deferred Compensation Earnings” Column of the Summary Compensation Table for Applicable FY(g)	$-323,233	$-224,026	$-4,867	$-33,855	$—	$—	$—	$—	$-25,286	$-15,810	$-10,288
Increase for Service Cost and, if applicable, Prior Service Cost for Pension Plans(h)	$20,915	$43,693	$11,752	$30,651	$24,998	$—	$13,594	$—	$7,265	$—	$7,553
TOTAL ADJUSTMENTS	$-1,432,552	$-600,526	$291,477	$-62,424	$-271,013	$11,086	$12,463	$-1,009,684	$-414,966	$1,396,237	$390,924

a.Represents the grant date fair value of the stock option and stock awards granted during the indicated fiscal year, computed in accordance with the methodology used for financial reporting purposes.

b.Represents the fair value as of the indicated fiscal year-end of the outstanding and unvested option awards and stock awards granted during such fiscal year, computed in accordance with the methodology used for financial reporting purposes.

c.Represents the fair value at vesting of the option awards and stock awards that were granted and vested during the indicated fiscal year, computed in accordance with the methodology used for financial reporting purposes.

d.Represents the change in fair value during the indicated fiscal year of each option award and stock award that was granted in a prior fiscal year and that remained outstanding and unvested as of the last day of the indicated fiscal year, computed in accordance with the methodology used for financial reporting purposes and, for awards subject to performance-based vesting conditions, based on the probable outcome of such performance-based vesting conditions as of the last day of the fiscal year.

e.Represents the change in fair value, measured from the prior fiscal year-end to the vesting date, of each option award and stock award that was granted in a prior fiscal year, and which vested during the indicated fiscal year, computed in accordance with the methodology used for financial reporting purposes.

f.Represents the fair value as of the last day of the prior fiscal year of the option award and stock awards that were granted in a prior fiscal year and which failed to meet the applicable vesting conditions in the indicated fiscal year, computed in accordance with the methodology used for financial reporting purposes.

g.Represents the aggregate change in the actuarial present value of the accumulated benefits under all defined benefit and actuarial pension plans reported in the Summary Compensation Table for the indicated fiscal year.

h.Represents the sum of the actuarial present value of the benefits under all defined benefit and actuarial pension plans attributable to services rendered during the indicated fiscal year, calculated using the same methodology as used in the Company’s financial statements under generally accepted accounting principles.

i.See footnote 1 above for the named executive officers included in the average for each year.


	2020		2021		2022			2023		2024
Adjustments	Former PEO	Average non-PEO NEOs	Former PEO	Average non-PEO NEOs	Former PEO	Current PEO	Average non-PEO NEOs	Current PEO	Average non-PEO NEOs	Current PEO	Average non-PEO NEOs
Deduction for Amounts Reported under the “Stock Awards” and “Option Awards” Columns in the Summary Compensation Table for Applicable FY (a)	$-570,904	$-316,962	$-856,025	$-282,058	$-297,179	$-919,152	$-296,673	$-1,500,009	$-604,516	$-1,561,248	$-517,447
Increase based on ASC 718 Fair Value of Awards Granted during Applicable FY that Remain Unvested as of Applicable FY End, determined as of Applicable FY End (b)	$244,579	$150,389	$678,624	$221,278	$52,121	$758,427	$232,501	$853,662	$325,097	$2,605,123	$796,916
Increase based on ASC 718 Fair Value of Awards Granted during Applicable FY that Vested during Applicable FY, determined as of Vesting Date (c)	$—	$—	$—	$—	$—	$171,811	$32,232	$—	$62,291	$—	$—
Increase/deduction for Awards Granted during Prior FY that were Outstanding and Unvested as of Applicable FY End, determined based on change in ASC 718 Fair Value from Prior FY End to Applicable FY End (d)	$-815,303	$-248,518	$60,113	$12,296	$102,827	$—	$33,568	$-326,705	$-180,706	$246,918	$97,360
Increase/deduction for Awards Granted during Prior FY that Vested During Applicable FY, determined based on change in ASC 718 Fair Value from Prior FY End to Vesting Date (e)	$-63,206	$-21,734	$379,673	$82,599	$303,084	$—	$40,726	$-42,231	$111	$111,921	$13,671


Deduction of ASC 718 Fair Value of Awards Granted during Prior FY that were Forfeited during Applicable FY, determined as of Prior FY End (f)	$—	$—	$-76,166	$-112,552	$-521,131	$—	$-49,924	$—	$-3,439	$—	$—
Increase based on Dividends or Other Earnings Paid during Applicable FY prior to Vesting Date	$74,600	$16,632	$98,373	$19,217	$64,267	$—	$6,439	$5,600	$4,217	$9,333	$3,159
Increase based on Incremental Fair Value of Options/SARs Modified during Applicable FY	$—	$—	$—	$—	$—	$—	$—	$—	$—	$—	$—
Deduction for Change in the Actuarial Present Values reported under the “Change in Pension Value and Nonqualified Deferred Compensation Earnings” Column of the Summary Compensation Table for Applicable FY(g)	$-323,233	$-224,026	$-4,867	$-33,855	$—	$—	$—	$—	$-25,286	$-15,810	$-10,288
Increase for Service Cost and, if applicable, Prior Service Cost for Pension Plans(h)	$20,915	$43,693	$11,752	$30,651	$24,998	$—	$13,594	$—	$7,265	$—	$7,553
TOTAL ADJUSTMENTS	$-1,432,552	$-600,526	$291,477	$-62,424	$-271,013	$11,086	$12,463	$-1,009,684	$-414,966	$1,396,237	$390,924

i.See footnote 1 above for the named executive officers included in the average for each year.

utilized as a component in both the 2024 AIP and 2024 PSUs. Adjusted ROE is our return-on-equity, calculated in accordance with GAAP, excluding the impact of market value changes on investments.