| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ZACH CORPORATION3 Filed as: ZACH CORPORATION DBA GROUP BEN | 622 PROGRESS AVE PO BOX 2597 WATERLOO, IA 50701 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $66K | — | $66K | 0.71% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 Filed as: PEDERSEN DOWIE, CLABBY & MCCAUSLAND | 3022 AIRPORT BLVD PO BOX 2597 WATERLOO, IA 50703 | DELTA DENTAL OF IOWA | $28K | $4K | $31K | 4.54% |
| PEDERSEN DOWIE CLABBY3 Filed as: PEDERSEN, DOWIE, CLABBY & | MCCAUSLAND INS, INC. 3022 AIRPORT BLVD WATERLOO, IA 50703 | STANDARD INSURANCE COMPANY | $15K | — | $15K | 7.56% |
| PEDERSEN DOWIE CLABBY3 Filed as: PEDERSEN, DOWIE, CLABBY & | MCCAUSLAND INS, INC. 3022 AIRPORT BLVD WATERLOO, IA 50703 | STANDARD INSURANCE COMPANY | $16K | — | $16K | 8.91% |
| PEDERSON DOWIE CLABBY & MCCAUSLAND3 | 3022 AIRPORT BLVD PO BOX 2597 WATERLOO, IA 50703 | ASSURITY LIFE INSURANCE COMPANY | $17K | — | $17K | 9.86% |
| PEDERSEN DOWIE CLABBY3 Filed as: PEDERSEN, DOWIE, CLABBY & | MCCAUSLAND INS, INC. 3022 AIRPORT BLVD WATERLOO, IA 50703 | STANDARD INSURANCE COMPANY | $15K | — | $15K | 8.90% |
| PDCM INSURANCE3 | 622 PROGRESS AVENUE WATERLOO, IA 50701 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| WELLMARK INC3 Filed as: WELLMARK, INC | 1331 GRAND AVENUE DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $415 | — | $415 | 0.42% |
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 | 834 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 875 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 854 | $9.4M |
| Dental | DELTA DENTAL OF IOWA | 934 | $688K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 984 | $98K |
| Life insurance | STANDARD INSURANCE COMPANY | 892 | $203K |
| Short-term disability | STANDARD INSURANCE COMPANY | 802 | $178K |
| Long-term disability | STANDARD INSURANCE COMPANY | 802 | $164K |
| Other | STANDARD INSURANCE COMPANY | 892 | $203K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 984 | — |
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.