| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PDCM INSURANCE3 Filed as: PDCM | 3022 AIRPORT BLVD PO BOX 2597 WATERLOO, IA 50703 | DELTA DENTAL OF IOWA | $4K | $588 | $5K | 11.34% |
| PDCM INSURANCE3 Filed as: PDCM | 3022 AIRPORT BLVD PO BOX 2597 WATERLOO, IA 50704 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $3K | $10K | 22.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICE CENTER DR STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $834 | $834 | 1.93% |
| PDCM INSURANCE3 Filed as: PDCM | PO BOX 2597 WATERLOO, IA 50704 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $879 | $3K | 20.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICE CENTER DR STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $251 | $251 | 1.70% |
| PDCM INSURANCE5 | PO BOX 2597 WATERLOO, IA 50704 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 9.98% |
| PDCM INSURANCE3 Filed as: PDCM | 3022 AIRPORT BLVD PO BOX 2597 WATERLOO, IA 50704 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $660 | $315 | $975 | 22.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICE CENTER DR STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $90 | $90 | 2.04% |
| PDCM INSURANCE3 Filed as: PDCM | 3022 AIRPORT BLVD PO BOX 2597 WATERLOO, IA 50704 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $220 | $220 | 6.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICE CENTER DR STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $63 | $63 | 1.93% |
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF IOWA | 68 | $44K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 120 | $12K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 103 | $19K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 23 | $3K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.