| 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 | 1.44% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 Filed as: PEDERSEN, DOWIE, CLABBY & MCCAUSLAN | 3022 AIRPORT BOULEVARD PO 2597 WATERLOO, IA 50703 | DELTA DENTAL OF IOWA | $3K | $877 | $4K | 3.23% |
| ACUMEN ADVISORS INC3 Filed as: ACUMEN ADVISORS, INC. | 425 2ND ST SE, SUITE 1275 CEDAR RAPIDS, IA 52401 | DELTA DENTAL OF IOWA | $3K | — | $3K | 2.44% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 | PO BOX 2597 3022 AIRPORT BOULEVARD WATERLOO, IA 50704 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $3K | $7K | 7.12% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 501 OFFICE CENTER DR STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.69% |
| ACUMEN ADVISORS INC3 Filed as: ACUMEN ADVISORS, INC. CHICAGO | 1910 E KIMBERLY RD STE 316 DAVENPORT, IA 52807 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.34% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 | PO BOX 2597 3022 AIRPORT BOULEVARD WATERLOO, IA 50704 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 9.18% |
| ACUMEN ADVISORS INC3 Filed as: ACUMEN ADVISORS, INC. CHICAGO | 1910 E KIMBERLY RD STE 316 DAVENPORT, IA 52807 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.04% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 501 OFFICE CENTER DR STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.78% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 | PO BOX 2597 3022 AIRPORT BOULEVARD WATERLOO, IA 50704 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 11.53% |
| ACUMEN ADVISORS INC3 Filed as: ACUMEN ADVISORS, INC. CHICAGO | 1910 E KIMBERLY RD STE 316 DAVENPORT, IA 52807 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 6.74% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 501 OFFICE CENTER DR STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $743 | $743 | 2.22% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 Filed as: PEDERSEN, DOWIE, CLABBY & MCCAUSLAN | 3022 AIRPORT BOULEVARD PO 2597 WATERLOO, IA 50703 | VERATRUS BENEFIT SOLUTIONS | $1K | — | $1K | 5.51% |
| ACUMEN ADVISORS INC3 Filed as: ACUMEN ADVISORS, INC. | 425 2ND ST SE, SUITE 1275 CEDAR RAPIDS, IA 52401 | VERATRUS BENEFIT SOLUTIONS | $1K | — | $1K | 5.43% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 | PO BOX 2597 3022 AIRPORT BOULEVARD WATERLOO, IA 50704 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $856 | $566 | $1K | 8.51% |
| ACUMEN ADVISORS INC3 Filed as: ACUMEN ADVISORS, INC. CHICAGO | 1910 E KIMBERLY RD STE 316 DAVENPORT, IA 52807 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $816 | — | $816 | 4.88% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 501 OFFICE CENTER DR STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $324 | $324 | 1.94% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 | — | ASSURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 34.80% |
| WARE GROUP GENERAL AGENCIES3 | — | ASSURITY LIFE INSURANCE COMPANY | $152 | — | $152 | 1.65% |
| ACUMEN ADVISORS INC3 Filed as: ACUMEN ADVISORS, INC. | — | ASSURITY LIFE INSURANCE COMPANY | $142 | — | $142 | 1.54% |
| MATTHEW REDNOUR3 | — | ASSURITY LIFE INSURANCE COMPANY | $74 | — | $74 | 0.80% |
| MICHAEL PETERS & ASSOCIATES, INC.3 Filed as: MICHAEL PETERS & ASSOCIATES, INC | — | ASSURITY LIFE INSURANCE COMPANY | $61 | — | $61 | 0.66% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DAVID KEENAN AND ASSOCIATES, INC. | — | ASSURITY LIFE INSURANCE COMPANY | $50 | — | $50 | 0.54% |
| NORTH RISK PARTNERS LLC3 | — | ASSURITY LIFE INSURANCE COMPANY | $8 | — | $8 | 0.09% |
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 | 292 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 292 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF IOWA | 202 | $121K |
| Vision | VERATRUS BENEFIT SOLUTIONS | 179 | $20K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 292 | $50K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 292 | $91K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 292 | $56K |
| Stop-loss / reinsurancereinsurance | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 193 | $1.7M |
| Other(4 contracts, 3 carriers) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 292 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 292 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.