| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 | DBA PDCM INSURANCE PO BOX 2597 WATERLOO, IA 50704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 13.60% |
| NORTH RISK PARTNERS LLC3 | 2048 SUPERIOR DRIVE NORTHWEST SUITE 100 ROCHESTER, MN 59901 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| ASSUREDPARTNERS3 Filed as: EMERSON RODGERS LLC | ATTN COMMISSIONS DEPARTMENT 1787 SENTRY PKWY W. VEVA 16 BLUE BELL, PA 19422 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 | 3022 AIRPORT BLVD PO 2597 WATERLOO, IA 50703 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 16.34% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 Filed as: PEDERSEN, DOWIE, CLABBY, MCCAUSLAND | 3022 AIRPORT BLVD PO 2597 WATERLOO, IA 50703 | VISION SERVICE PLAN | $882 | — | $882 | 5.00% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC DBA EASECENTRAL | 1980 FESTIVAL PLAZA DR STE 810 LAS VEGAS, NV 89135 | VISION SERVICE PLAN | $220 | — | $220 | 1.25% |
| MATTHEW REDNOUR3 | — | ASSURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 14.53% |
| WARE GROUP GENERAL AGENCIES3 | — | ASSURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 9.38% |
| NORTH RISK PARTNERS LLC3 | 2048 SUPERIOR DRIVE NORTHWEST SUITE 100 ROCHESTER, MN 59901 | ASSURITY LIFE INSURANCE COMPANY | $961 | — | $961 | 6.44% |
| BRADDEN PROBST3 | — | ASSURITY LIFE INSURANCE COMPANY | $64 | — | $64 | 0.43% |
| MICHAEL PETERS & ASSOCIATES, INC.3 Filed as: MICHAEL PETERS & ASSOCIATES | — | ASSURITY LIFE INSURANCE COMPANY | $13 | — | $13 | 0.09% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 | 3022 AIRPORT BLVD PO 2597 WATERLOO, IA 50703 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 16.89% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 Filed as: PEDERSEN, DOWIE, CLABBY, MCCAUSLAND | 3022 AIRPORT BLVD PO 2597 WATERLOO, IA 50703 | DELTA DENTAL OF IOWA | $4K | $159 | $5K | — |
| NORTH RISK PARTNERS LLC3 | 2048 SUPERIOR DRIVE NORTHWEST SUITE 100 ROCHESTER, MN 59901 | DELTA DENTAL OF IOWA | — | $363 | $363 | — |
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 | 105 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 72 | $1.3M |
| Dental | DELTA DENTAL OF IOWA | 82 | $0 |
| Vision | VISION SERVICE PLAN | 59 | $18K |
| Life insurance(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 109 | $57K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 109 | $60K |
| Prescription drug | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 72 | $1.3M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 109 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 109 | — |
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.
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.