| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PDCM INSURANCE3 Filed as: PDCM | PO BOX 2597 WATERLOO, IA 507042597 | HEALTH PARTNERS INSURANCE COMPANY | $10K | $114 | $10K | 0.20% |
| PDCM INSURANCE3 Filed as: PDCM | P.O. BOX 2597 WATERLOO, IA 50704 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $49K | $8K | $57K | 14.70% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS | 501 OFFICE CENTER DR SUITE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.16% |
| SELECT NETWORKS3 | 317 6TH AVENUE SUITE 1440 DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $10K | $0 | $10K | 11.01% |
| PDCM INSURANCE3 Filed as: PDCM | 622 PROGRESS AVENUE WATERLOO, IA 50701 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $9K | $0 | $9K | 10.01% |
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 | 641 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 647 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PARTNERS INSURANCE COMPANY | 638 | $4.9M |
| Dental | HEALTH PARTNERS INSURANCE COMPANY | 638 | $4.9M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 379 | $95K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 641 | $390K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 641 | $390K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 641 | $390K |
| Prescription drug | HEALTH PARTNERS INSURANCE COMPANY | 638 | $4.9M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 641 | $390K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 641 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.