| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PEDERSEN DOWIE CLABBY3 Filed as: PEDERSEN DOWIE, CLABBY & | MCCAUSLAND INS, INC 3022 AIRPORT BLVD WATERLOO, IA 50703 | DELTA DENTAL OF IOWA | $23K | $3K | $26K | 4.18% |
| PEDERSON DOWIE CLABBY & MCCAUSLAND3 | 3022 AIRPORT BLVD P.O. BOX 2597 WATERLOO, IA 50703 | ASSURITY LIFE INSURANCE COMPANY | $17K | — | $17K | 9.49% |
| PEDERSEN DOWIE CLABBY3 Filed as: PEDERSEN DOWIE CLABBY & | MCCAUSLAND INS, INC PO BOX 2597 WATERLOO, IA 50704 | STANDARD INSURANCE COMPANY | $13K | — | $13K | 7.82% |
| PEDERSEN DOWIE CLABBY3 Filed as: PEDERSEN DOWIE CLABBY & | MCCAUSLAND INS, INC PO BOX 2597 WATERLOO, IA 50704 | STANDARD INSURANCE COMPANY | $13K | — | $13K | 8.77% |
| PEDERSEN DOWIE CLABBY3 Filed as: PEDERSEN DOWIE CLABBY & | MCCAUSLAND INS, INC PO BOX 2597 WATERLOO, IA 50704 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 8.74% |
| SELECT NETWORKS3 | 317 6TH AVE STE. 1040 DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $9K | — | $9K | 10.92% |
| PDCM INSURANCE3 | DBA ZACH CORPORATION PO BOX 2597 WATERLOO, IA 50704 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $8K | — | $8K | 9.92% |
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 | 756 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 79 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 128 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 963 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ASSURITY LIFE INSURANCE COMPANY | 610 | $181K |
| Dental | DELTA DENTAL OF IOWA | 839 | $628K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 807 | $82K |
| Life insurance | STANDARD INSURANCE COMPANY | 702 | $168K |
| Short-term disability | STANDARD INSURANCE COMPANY | 614 | $153K |
| Long-term disability | STANDARD INSURANCE COMPANY | 614 | $113K |
| Other | STANDARD INSURANCE COMPANY | 702 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 839 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.