| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PEDERSON DOWIE CLABBY & MCCAUSLAND3 | 3022 AIRPORT BLVD P.O. BOX 2597 WATERLOO, IA 50703 | DELTA DENTAL OF IOWA | $9K | $1K | $11K | 5.69% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 | PO BOX 2597 WATERLOO, IA 50704 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 4.09% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 | P.O. BOX 2597 WATERLOO, IA 50704 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $768 | $4K | 4.35% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 | P.O. BOX 2597 WATERLOO, IA 50704 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $489 | $10K | 18.02% |
| GROUP BENEFITS DESIGN CORPORATION3 | 3022 AIRPORT BLVD PO BOX 2597 WATERLOO, IA 50703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 15.00% |
| 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 | P.O. BOX 2597 3022 AIRPORT BLVD WATERLOO, IA 50704 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 14.07% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 | P.O. BOX 2597 3022 AIRPORT BLVD WATERLOO, IA 50704 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 | P.O. BOX 2597 3022 AIRPORT BLVD WATERLOO, IA 50704 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 12.27% |
| GROUP BENEFITS DESIGN CORPORATION3 | 3022 AIRPORT BLVD P.O. BOX 2597 WATERLOO, IA 50703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.00% |
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 | 305 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 315 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 309 | $3.4M |
| Dental | DELTA DENTAL OF IOWA | 251 | $189K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 422 | $40K |
| Life insurance(5 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 366 | $359K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 366 | $116K |
| Other(6 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 366 | $268K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 422 | — |
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.