| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ZACH CORPORATION3 | 622 PROGRESS AVE WATERLOO, IA 50701 | WELLMARK HEALTH PLAN OF IOWA | $0 | — | $0 | 0.00% |
| ZACH CORPORATION3 | 622 PROGRESS AVE WATERLOO, IA 50701 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $0 | — | $0 | 0.00% |
| PEDERSEN DOWIE CLABBY3 | 3022 AIRPORT BLVD PO BOX 2597 WATERLOO, IA 507039692 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | — | $21K | 9.98% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 | PO BOX 2597 WATERLOO, IA 50704 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 4.69% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 | PO BOX 2597 WATERLOO, IA 50704 | STANDARD INSURANCE COMPANY | $778 | — | $778 | 1.06% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 | DBA PDCM INSURANCE PO BOX 2597 WATERLOO, IA 50704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $975 | $4K | 6.23% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 | DBA PDCM INSURANCE PO BOX 2597 WATERLOO, IA 50704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $894 | $10K | 16.45% |
| GROUP BENEFITS DESIGN CORPORATION3 | 3022 AIRPORT BLVD PO BOX 2597 WATERLOO, IA 50703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 15.00% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 | DBA PDCM INSURANCE PO BOX 2597 WATERLOO, IA 50704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $723 | $5K | 10.40% |
| PEDERSEN DOWIE CLABBY3 Filed as: PEDERSEN DOWIE CLABBY & | MCCAUSLAND INS PO BOX 2597 WATERLOO, IA 507042597 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 | PO BOX 2597 WATERLOO, IA 50704 | STANDARD INSURANCE COMPANY | $4K | — | $4K | — |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 | PO BOX 2597 WATERLOO, IA 50704 | STANDARD INSURANCE COMPANY | $845 | — | $845 | — |
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 | 317 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 49 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 368 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WELLMARK HEALTH PLAN OF IOWA | 257 | $3.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 518 | $209K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 453 | $42K |
| Life insurance(4 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 344 | $203K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 344 | $50K |
| Prescription drug(2 contracts, 2 carriers) | WELLMARK HEALTH PLAN OF IOWA | 257 | $3.5M |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 344 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 518 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.