| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ZACH CORPORATION3 Filed as: ZACH CORPORATION DBA GROUP BEN | 622 PROGRESS AVENUE PO BOX 2597 WATERLOO, IA 50701 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $24K | — | $24K | 1.48% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 Filed as: PEDERSEN, DOWIE, CLABBY & MCCAUSLAN | 3022 AIRPORT BOULEVARD PO 2597 WATERLOO, IA 50703 | DELTA DENTAL OF IOWA | $6K | $853 | $7K | 5.21% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 | PO BOX 2597 3022 AIRPORT BOULEVARD WATERLOO, IA 50704 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $3K | $8K | 10.09% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 | PO BOX 2597 3022 AIRPORT BOULEVARD WATERLOO, IA 50704 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 13.02% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 | PO BOX 2597 3022 AIRPORT BOULEVARD WATERLOO, IA 50704 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $6K | 18.90% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 Filed as: PEDERSEN, DOWIE, CLABBY & MCCAUSLAN | 3022 AIRPORT BOULEVARD PO 2597 WATERLOO, IA 50703 | VERATRUS BENEFIT SOLUTIONS | $2K | — | $2K | 9.99% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 | PO BOX 2597 3022 AIRPORT BOULEVARD WATERLOO, IA 50704 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $647 | $2K | 14.05% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 | — | ASSURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 32.50% |
| NORTH RISK PARTNERS LLC3 | — | ASSURITY LIFE INSURANCE COMPANY | $46 | — | $46 | 0.40% |
| WARE GROUP GENERAL AGENCIES3 | — | ASSURITY LIFE INSURANCE COMPANY | $38 | — | $38 | 0.33% |
| MATTHEW REDNOUR3 | — | ASSURITY LIFE INSURANCE COMPANY | $30 | — | $30 | 0.26% |
| MICHAEL PETERS & ASSOCIATES, INC.3 Filed as: MICHAEL PETERS & ASSOCIATES, INC | — | ASSURITY LIFE INSURANCE COMPANY | $21 | — | $21 | 0.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DAVID KEENAN AND ASSOCIATES, INC. | — | ASSURITY LIFE INSURANCE COMPANY | $15 | — | $15 | 0.13% |
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 | 314 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF IOWA | 221 | $130K |
| Vision | VERATRUS BENEFIT SOLUTIONS | 182 | $22K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 317 | $49K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 316 | $77K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 317 | $50K |
| Stop-loss / reinsurancereinsurance | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 215 | $1.6M |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 317 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 317 | — |
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.