| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PDCM INSURANCE3 Filed as: PDCM | PO BOX 2597 WATERLOO, IA 507042597 | UNITED HEALTHCARE INSURANCE COMPANY | $10K | $31 | $10K | 0.19% |
| PDCM INSURANCE3 Filed as: PDCM | P.O. BOX 2597 WATERLOO, IA 50704 | SUN LIFE ASSURANCE COMPANY OF CANADA | $21K | $0 | $21K | 8.29% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SERVICE | P.O. BOX 2597 WATERLOO, IA 50704 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 0.84% |
| SELECT NETWORKS3 | 317 6TH AVENUE SUITE 1440 DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | $0 | $3K | 11.00% |
| PDCM INSURANCE3 Filed as: PDCM | 622 PROGRESS AVENUE WATERLOO, IA 50701 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
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 | 629 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 636 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 927 | $5.3M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 927 | $5.3M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 143 | $28K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 629 | $253K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 629 | $253K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 629 | $253K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 927 | $5.3M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 629 | $253K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 927 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.