| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PEDERSEN DOWIE CLABBY3 Filed as: PEDERSEN, DOWIE, CALBBY & MCCAUSLAN | 3022 AIRPORT BLVD WATERLOO, IA 50703 | DELTA DENTAL | $10K | $1K | $11K | 9.10% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SERVICES | PO BOX 2597 WATERLOO, IA 50704 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.50% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SERVICES | PO BOX 2597 WATERLOO, IA 50704 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 6.72% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SERVICES LLC | PO BOX 2597 WATERLOO, IA 50704 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| SELECT NETWORKS3 | 317 6TH AVENUE SUITE 1440 DES MOINES, IA 50309 | AVESIS THIRD PARTY ADMINSTRATORS, INC. | $2K | — | $2K | 11.00% |
| PDCM INSURANCE3 | 622 PROGRESS AVENUE WATERLOO, IA 50701 | AVESIS THIRD PARTY ADMINSTRATORS, INC. | $2K | — | $2K | 10.00% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SERVICES | PO BOX 2597 WATERLOO, IA 50704 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.84% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SERVICES | PO BOX 2597 WATERLOO, IA 50704 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $435 | — | $435 | 15.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PEDERSEN, DOWIE, CLABBY& MCCAUSLAND EIN 42-0318333 AGENT/BROKER | Insurance agents and brokers Service code 22 | 3022 AIRPORT BLVD PO 2597 WATERLOO, IA 50703 | $11K |
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 | 188 | 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) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | WELLMARK BLUE CROSS BLUE SHIELD | 91 | $1.6M |
| Dental | DELTA DENTAL | 131 | $120K |
| Vision | AVESIS THIRD PARTY ADMINSTRATORS, INC. | 188 | $20K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 163 | $40K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 163 | $73K |
| Other(4 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 163 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.