| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PEDERSON DOWIE CLABBY & MCCAUSLAND3 | 3022 AIRPORT BLVD PO BOX 2597 WATERLOO, IA 50703 | DELTA DENTAL OF IOWA | $11K | $1K | $12K | 5.64% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 | 3022 AIRPORT BLVD PO BOX 2597 WATERLOO, IA 50703 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 3.96% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 | 3022 AIRPORT BLVD PO BOX 2597 WATERLOO, IA 50703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $2K | $11K | 10.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICE CENTER DR SUITE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $722 | $722 | 0.65% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 | 3022 AIRPORT BLVD PO BOX 2597 WATERLOO, IA 50703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $6K | 6.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICE CENTER DR SUITE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $553 | $553 | 0.61% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 | 3022 AIRPORT BLVD PO BOX 2597 WATERLOO, IA 50703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $6K | 7.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICE CENTER DR SUITE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $522 | $522 | 0.61% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 | 3022 AIRPORT BLVD PO BOX 2597 WATERLOO, IA 50703 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| GROUP BENEFITS DESIGN CORPORATION3 | 3022 AIRPORT BLVD PO BOX 2597 WATERLOO, IA 50703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 15.00% |
| UNITED OF OMAHA LIFE INSURANCE CO5 | MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $14K | $14K | — |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 | 3022 AIRPORT BLVD PO BOX 2597 WATERLOO, IA 50703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $227 | $2K | — |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICE CENTER DR SUITE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $101 | $101 | — |
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 | 307 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 318 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 308 | $4.2M |
| Dental | DELTA DENTAL OF IOWA | 260 | $215K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 446 | $44K |
| Life insurance(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 362 | $353K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 349 | $0 |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 361 | $86K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 362 | $243K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 446 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.