| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLMARK INC3 Filed as: WELLMARK | 1331 GRAND AVENUE DES MOINES, IA 50309 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $23K | — | $23K | 1.51% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 | PO BOX 2597 WATERLOO, IA 50704 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | — | $12K | 6.29% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SERVICES L | PO BOX 2597 WATERLOO, IA 50704 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 1.30% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 Filed as: PEDERSEN, DOWIE, CLABBY & MCCAUSLAN | 3022 AIRPORT BOULEVARD PO 2597 WATERLOO, IA 50703 | DELTA DENTAL OF IOWA | $6K | $289 | $6K | 4.82% |
| NORTH RISK PARTNERS LLC3 | 2048 SUPERIOR DRIVE NORTHWEST ROCHESTER, MN 55901 | DELTA DENTAL OF IOWA | — | $560 | $560 | 0.44% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 Filed as: PEDERSEN, DOWIE, CLABBY & MCCAUSLAN | 3022 AIRPORT BOULEVARD PO 2597 WATERLOO, IA 50703 | VERATRUS BENEFIT SOLUTIONS | $2K | — | $2K | 10.10% |
| PEDERSON DOWIE CLABBY & MCCLAUSLAND3 | — | ASSURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.46% |
| NORTH RISK PARTNERS LLC3 | — | ASSURITY LIFE INSURANCE COMPANY | $319 | — | $319 | 2.15% |
| DAVID J MCCLELLAN3 Filed as: DAVID A WILHOITE | — | ASSURITY LIFE INSURANCE COMPANY | $256 | — | $256 | 1.73% |
| MATTHEW STEVEN REDNOUR3 | — | ASSURITY LIFE INSURANCE COMPANY | $201 | — | $201 | 1.36% |
| MICHAEL PETERS & ASSOCIATES, INC.3 Filed as: MICHAEL PETERS & ASSOCIATES, INC | — | ASSURITY LIFE INSURANCE COMPANY | $143 | — | $143 | 0.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DAVID KEENAN AND ASSOCIATES, INC | — | ASSURITY LIFE INSURANCE COMPANY | $74 | — | $74 | 0.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DAVID KEENAN | — | ASSURITY LIFE INSURANCE COMPANY | $28 | — | $28 | 0.19% |
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 | 290 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF IOWA | 220 | $127K |
| Vision | VERATRUS BENEFIT SOLUTIONS | 198 | $23K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 325 | $191K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 325 | $191K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 325 | $191K |
| Stop-loss / reinsurancereinsurance | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 204 | $1.5M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 325 | $206K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 325 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.