| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PEDERSON DOWIE CLABBY & MCCAUSLAND3 Filed as: PEDERSON, DOWIE, CLABBY & | MCCAUSLAND INS 3022 AIRPORT BLVD WATERLOO, IA 50703 | DELTA DENTAL OF IOWA | $4K | $687 | $4K | 6.55% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 | IN DBA PDCM INSURANCE PO BOX 2597 WATERLOO, IA 50704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 8.49% |
| PEDERSON DOWIE CLABBY & MCCAUSLAND3 | IN DBA PDCM INSURANCE PO BOX 2597 WATERLOO, IA 50704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 7.99% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 | IN DBA PDCM INSURANCE PO BOX 2597 WATERLOO, IA 50704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 13.88% |
| SELECT NETWORKS3 | 6165 NW 86TH STREET SUITE 108 JOHNSTON, IA 50131 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 11.02% |
| PEDERSON DOWIE CLABBY & MCCAUSLAND3 Filed as: PEDERSON, DOWIE, CLABBY & | MCCAUSLAND INSURANCE 622 PROGRESS AVENUE WATERLOO, IA 50701 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.02% |
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 | 128 | 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) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF IOWA | 103 | $67K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 143 | $15K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 128 | $25K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 128 | $34K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 128 | $19K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 128 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.