| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ZACH CORPORATION3 | 3022 AIRPORT BLVD WATERLOO, IA 50704 | WELLMARK BLUE CROSS BLUE SHIELD | $17K | — | $17K | 1.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 212 BRADY ST 48 DAVENPORT, IA 52801 | WELLMARK BLUE CROSS BLUE SHIELD | $4K | — | $4K | 0.21% |
| ZACH CORPORATION3 | 3022 AIRPORT BLVD WATERLOO, IA 50704 | WELLMARK BLUE CROSS BLUE SHIELD | $5K | — | $5K | 1.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 212 BRADY ST 4B DAVENPORT, IA 52801 | WELLMARK BLUE CROSS BLUE SHIELD | $1K | — | $1K | 0.35% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 Filed as: PEDERSEN, DOWIE, CLABBY &MCCAUSLAND | 3022 AIRPORT BLVD PO 2597 WATERLOO, IA 50703 | DELTA DENTAL | $6K | — | $6K | 4.63% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 Filed as: PEDERSEN, DOWIE, CLABBY &MCCAUSLAND | 3022 AIRPORT BLVD PO 2597 WATERLOO, IA 50703 | DELTA DENTAL | $2K | $1K | $3K | 2.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD CHICAGO, IL 60604 | DELTA DENTAL | $3K | — | $3K | 2.08% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SERVICES | PO BOX 2597 WATERLOO, IA 50704 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.71% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL IOWA | 15162 COLLECTIONS CTR DR CHICAGO, IL 60693 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.36% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SERVICES | PO BOX 2597 WATERLOO, IA 50704 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 4.43% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL IOWA | 15162 COLLECTIONS CTR DR CHICAGO, IL 60693 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.50% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SERVICES LLC | PO BOX 2597 WATERLOO, IA 50704 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 11.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL IOWA | 15162 COLLECTIONS CTR DR CHICAGO, IL 60693 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 3.96% |
| SELECT NETWORKS3 | 317 6TH AVE STE 1440 DES MOINES, IA 50309 | AVESIS THIRD PARTY ADMINSTRATORS, INC. | $2K | — | $2K | 11.00% |
| PDCM INSURANCE3 | 622 PROGRESS AVE WATERLOO, IA 50701 | AVESIS THIRD PARTY ADMINSTRATORS, INC. | $2K | — | $2K | 9.69% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 15162 COLLECTIONS CENTER DR CHICAGO, IL 60693 | AVESIS THIRD PARTY ADMINSTRATORS, INC. | $61 | — | $61 | 0.32% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SERVICES | PO BOX 2597 WATERLOO, IA 50704 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 7.91% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL IOWA | 15162 COLLECTIONS CTR DR CHICAGO, IL 60693 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $430 | — | $430 | 2.74% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SERVICES | PO BOX 2597 WATERLOO, IA 50704 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $616 | — | $616 | 11.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL IOWA | 15162 COLLECTIONS CTR DR CHICACGO, IL 60693 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $216 | — | $216 | 3.90% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZACH CORPORATION AGENT/BROKER | Insurance agents and brokers Service code 22 | 3022 AIRPORT BLVD WATERLOO, IA 50704 | $22K |
| PATRIOT GROWTH INS SERVICES LLC AGENT/BROKER | Insurance agents and brokers Service code 22 | PO BOX 2597 WATERLOO, IA 50704 | $11K |
| PEDERSON, DOWIE, CLABBY &MCCAUSLAND AGENT/BROKER | Insurance agents and brokers Service code 22 | 3022 AIRPORT BLVD PO 2597 WATERLOO, IA 50703 | $9K |
| HUB INTERNATIONAL IOWA LLC AGENT/BROKER | Insurance agents and brokers Service code 22 | 15162 COLLECTIONS CTR DR CHICAGO, IL 60693 | $8K |
| HUB INTERNATIONAL MIDWEST LIMITED AGENT/BROKER | Insurance agents and brokers Service code 22 | 212 BRADY ST 48 DAVENPORT, IA 52801 | $7K |
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 | 213 | 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) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | WELLMARK BLUE CROSS BLUE SHIELD | 100 | $2.0M |
| Dental | DELTA DENTAL | 148 | $122K |
| Vision | AVESIS THIRD PARTY ADMINSTRATORS, INC. | 213 | $19K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 172 | $46K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 172 | $82K |
| Other(4 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 173 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.