| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ZACH CORPORATION | — | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $30K | — | $30K | 5.14% |
| ZACH CORPORATION | — | WELLMARK HEALTH PLAN OF IOWA | $16K | — | $16K | 6.27% |
| PEDERSEN DOWIE CLABBY3 Filed as: PEDERSEN DOWIE CLABBY & | MCCAUSLAND PO BOX 2597 - 3022 AIRPORT BLVD WATERLOO, IA 50704 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $4K | $14K | 16.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 1.46% |
| PEDERSEN DOWIE CLABBY Filed as: PEDERSEN, DOWIE, CLABBY, | MCCAUSLAND INS INC 3022 AIRPORT BLVD WATERLOO, IA 507039692 | VISION SERVICE PLAN | $1K | — | $1K | 12.69% |
| ENROLLEASE Filed as: ENROLLEASE, INC DBA EASECENTRAL | — | VISION SERVICE PLAN | $178 | — | $178 | 1.58% |
| TRUENORTH COMPANIES LC | — | TRANSAMERICA LIFE INSURANCE COMPANY | $492 | — | $492 | 4.77% |
| RHONDA S PAPE | — | TRANSAMERICA LIFE INSURANCE COMPANY | $340 | — | $340 | 3.29% |
| COLE PAPE | — | TRANSAMERICA LIFE INSURANCE COMPANY | $203 | — | $203 | 1.97% |
| DANE PAPE Filed as: DANE A PAPE | — | TRANSAMERICA LIFE INSURANCE COMPANY | $200 | — | $200 | 1.94% |
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 | 111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 111 | 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 | 63 | $838K |
| Vision | VISION SERVICE PLAN | 84 | $11K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 133 | $86K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 133 | $86K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 133 | $86K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 133 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.