| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL INS PLANNERS & CONSULT3 Filed as: PROFESSIONAL INS PLANNERS AND CONSL | PO BOX 729 CEDAR FALLS, IA 506130030 | UNITED HEALTHCARE INSURANCE COMPANY | $8K | $113K | $121K | 2.25% |
| PDCM INSURANCE3 Filed as: PDCM | PO BOX 25977 WATERLOO, IA 50704 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | $12K | $15K | 0.28% |
| KURT W OLSON3 Filed as: KURT OLSON | 3707 SOUTH MAIN STREET CEDAR FALLS, IA 50613 | SUN LIFE ASSURANCE COMPANY OF CANADA | $28K | $0 | $28K | 9.22% |
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 | 610 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 621 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 1,125 | $5.4M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 1,125 | $5.4M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 610 | $303K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 610 | $303K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 610 | $303K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 1,125 | $5.4M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 610 | $303K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,125 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.