| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 | PO BOX 2597 WATERLOO, IA 50704 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $34K | $34K | 4.71% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 | 3022 AIRPORT BLVD WATERLOO, IA 50703 | DELTA DENTAL OF IOWA | $4K | $664 | $5K | 11.49% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 | 3022 AIRPORT BLVD WATERLOO, IA 50701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 16.00% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 | 3927 UNIVERSITY AVE WATERLOO, IA 50701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 6.31% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 4365 SOUTHWEST FWY STE 750 HOUSTON, TX 77027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $683 | $683 | 2.10% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 | 3022 AIRPORT BLVD WATERLOO, IA 50704 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 | 3927 UNIVERSITY AVE WATERLOO, IA 50701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $855 | $855 | 5.46% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 4365 SOUTHWEST FWY STE 750 HOUSTON, TX 77027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $285 | $285 | 1.82% |
| SELECT NETWORKS3 | 317 6TH AVE DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 11.00% |
| PDCM INSURANCE DBA ZACH CORP3 | 4704 MILL VIEW COURT COLLEYVILLE, TX 76034 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 | 3022 AIRPORT BLVD WATERLOO, IA 50704 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $760 | — | $760 | 15.00% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 | 3927 UNIVERSITY AVE WATERLOO, IA 50701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $339 | $339 | 6.69% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 4365 SOUTHWEST FWY STE 750 HOUSTON, TX 77027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $113 | $113 | 2.23% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 | 3927 UNIVERSITY AVE WATERLOO, IA 50701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $157 | $157 | 6.30% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 4365 SOUTHWEST FWY STE 750 HOUSTON, TX 77027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $52 | $52 | 2.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PEDERSEN, DOWIE, CLABBY, MCCAUSLAND NONE | Insurance agents and brokers Service code 22 | PO BOX 2597 WATERLOO, IA 50704 | $51K |
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 | 109 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 75 | $727K |
| Dental | DELTA DENTAL OF IOWA | 67 | $45K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 109 | $14K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 90 | $21K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $32K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 18 | $2K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 90 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 109 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.