| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PDCM INSURANCE3 | 3022 AIRPORT BLVD WATERLOO, IA 50703 | WELLMARK HEALTH PLAN OF IOWA, INC. | $49K | — | $49K | 1.52% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 Filed as: PEDERSEN, DOWIE, CLABBY & MCCAUSLAN | 3022 AIRPORT BLVD WATERLOO, IA 50703 | DELTA DENTAL OF IOWA | $9K | $1K | $10K | 3.71% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 Filed as: PEDERSEN, DOWIE, CLABBY & MCCAUSLAN | 3022 AIRPORT BLVD WATERLOO, IA 50703 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 6.13% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 Filed as: PEDERSEN, DOWIE, CLABBY & MCCAUSLAN | 3022 AIRPORT BLVD WATERLOO, IA 50703 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 6.11% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 Filed as: PEDERSEN, DOWIE, CLABBY & MCCAUSLAN | PO BOX 2597 WATERLOO, IA 50704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $597 | $2K | $3K | 7.98% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 Filed as: PEDERSEN, DOWIE, CLABBY & MCCAUSLAN | 3022 AIRPORT BLVD WATERLOO, IA 50703 | VERATRUS BENEFIT SOLUTIONS | $3K | — | $3K | 10.00% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 Filed as: PEDERSEN, DOWIE, CLABBY & MCCAUSLAN | PO BOX 2597 WATERLOO, IA 50704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $1K | $5K | 20.05% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 Filed as: PEDERSEN, DOWIE, CLABBY & MCCAUSLAN | PO BOX 2597 WATERLOO, IA 50704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $727 | $851 | $2K | 11.85% |
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 | 332 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 335 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK HEALTH PLAN OF IOWA, INC. | 257 | $3.2M |
| Dental | DELTA DENTAL OF IOWA | 255 | $268K |
| Vision | VERATRUS BENEFIT SOLUTIONS | 145 | $27K |
| Life insurance(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 486 | $91K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 332 | $113K |
| Other(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 486 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 486 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.