| 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 | $69K | — | $69K | 0.65% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 Filed as: PEDERSEN DOWIE, CLABBY & MCCAUSLAND | 3022 AIRPORT BLVD PO BOX 2597 WATERLOO, IA 50703 | DELTA DENTAL OF IOWA | $27K | $4K | $31K | 4.56% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 Filed as: PEDERSEN, DOWIE, CLABBY & | MCCAUSLAND INS, INC. 3022 AIRPORT BLVD WATERLOO, IA 50703 | STANDARD INSURANCE COMPANY | $18K | — | $18K | 8.56% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 Filed as: PEDERSEN, DOWIE, CLABBY & | MCCAUSLAND INS, INC. 3022 AIRPORT BLVD WATERLOO, IA 50703 | STANDARD INSURANCE COMPANY | $19K | — | $19K | 9.87% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 Filed as: PEDERSEN, DOWIE, CLABBY & | MCCAUSLAND INS, INC. 3022 AIRPORT BLVD WATERLOO, IA 50703 | STANDARD INSURANCE COMPANY | $18K | — | $18K | 9.90% |
| PEDERSON DOWIE CLABBY & MCCAUSLAND3 | 3022 AIRPORT BLVD PO BOX 2597 WATERLOO, IA 50703 | ASSURITY LIFE INSURANCE COMPANY | $15K | — | $15K | 9.66% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND5 | 622 PROGRESS AVENUE WATERLOO, IA 50701 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| ZACH CORPORATION3 | GROUP BENEFITS DESIGN CORPORATION P.O. BOX 2597 WATERLOO, IA 50704 | METLIFE LEGAL PLANS | $2K | — | $2K | 7.11% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SERVICES L | PO BOX 2597 WATERLOO, IA 50704 | METLIFE LEGAL PLANS | $490 | — | $490 | 2.30% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SERVICES L | 1300 VIRGINIA DRIVE, SUITE 117 WASHINGTON, PA 19034 | METLIFE LEGAL PLANS | — | $8 | $8 | 0.04% |
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 | 889 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 20 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 931 | 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 | 886 | $10.8M |
| Dental | DELTA DENTAL OF IOWA | 980 | $677K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 546 | $91K |
| Life insurance | STANDARD INSURANCE COMPANY | 908 | $213K |
| Short-term disability | STANDARD INSURANCE COMPANY | 814 | $196K |
| Long-term disability | STANDARD INSURANCE COMPANY | 814 | $180K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 908 | $234K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 980 | — |
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.