| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 Filed as: PEDERSEN, DOWIE, CLABBY, & MCCAUSLA | PO BOX 2597 WATERLOO, IA 50704 | UNITED HEALTHCARE INSURANCE COMPANY | — | $29K | $29K | 4.73% |
| PDCM INSURANCE3 Filed as: PDCM | 3022 AIRPORT BLVD PO BOX 2597 WATERLOO, IA 50703 | DELTA DENTAL OF IOWA | $4K | $649 | $5K | 11.62% |
| PDCM INSURANCE3 Filed as: PDCM | 3022 AIRPORT BLVD PO BOX 2597 WATERLOO, IA 50704 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $6K | 20.96% |
| PATRIOTGROWTH INSURANCE SVCS3 | 501 OFFICE CENTER DR STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $650 | $650 | 2.20% |
| PDCM INSURANCE3 Filed as: PDCM | PO BOX 2597 WATERLOO, IA 50704 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $705 | $3K | 20.78% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS | 501 OFFICE CENTER DR STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $313 | $313 | 2.56% |
| SELECT NETWORKS5 | 317 6TH AVE DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 11.00% |
| PDCM INSURANCE DBA ZACH CORP5 | 4704 MILL VIEW COURT COLLEYVILLE, TX 76034 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| PDCM INSURANCE3 Filed as: PDCM | 3022 AIRPORT BLVD PO BOX 2597 WATERLOO, IA 50704 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $637 | $228 | $865 | 20.37% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS | 501 OFFICE CENTER DR STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $101 | $101 | 2.38% |
| PDCM INSURANCE3 Filed as: PDCM | 3022 AIRPORT BLVD PO BOX 2597 WATERLOO, IA 50704 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $112 | $112 | 4.57% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS | 501 OFFICE CENTER DR FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $50 | $50 | 2.04% |
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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 117 | $617K |
| Dental | DELTA DENTAL OF IOWA | 66 | $40K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 94 | $11K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 101 | $16K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 19 | $2K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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.
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.