| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PDCM INSURANCE3 | 3022 AIRPORT BLVD WATERLOO, IA 50703 | WELLMARK HEALTH PLAN OF IOWA, INC. | $46K | — | $46K | 1.34% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 Filed as: PEDERSEN, DOWIE, CLABBY & MCCAUSLAN | 3022 AIRPORT BLVD WATERLOO, IA 50703 | DELTA DENTAL OF IOWA | $8K | $1K | $9K | 3.87% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 Filed as: PEDERSEN, DOWIE, CLABBY & MCCAUSLAN | PO BOX 2597 WATERLOO, IA 50704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 5.02% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 Filed as: PEDERSEN, DOWIE, CLABBY & MCCAUSLAN | PO BOX 2597 WATERLOO, IA 50704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 Filed as: PEDERSEN, DOWIE, CLABBY & MCCAUSLAN | PO BOX 2597 WATERLOO, IA 50704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 6.87% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 Filed as: PEDERSEN, DOWIE, CLABBY & MCCAUSLAN | 3022 AIRPORT BLVD WATERLOO, IA 50703 | VERATRUS BENEFIT SOLUTIONS | $2K | — | $2K | 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 | 308 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK HEALTH PLAN OF IOWA, INC. | 221 | $3.4M |
| Dental | DELTA DENTAL OF IOWA | 232 | $238K |
| Vision | VERATRUS BENEFIT SOLUTIONS | 119 | $23K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 299 | $102K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 301 | $102K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 299 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 301 | — |
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.
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.