| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ZACH CORPORATION3 | 622 PROGRESS AVE WATERLOO, IA 50701 | WELLMARK INC | $15K | — | $15K | 2.89% |
| ZACH CORPORATION3 | 622 PROGRESS AVE WATERLOO, IA 50701 | WELLMARK INC | $5K | — | $5K | 2.55% |
| PEDERESEN DOWIE CLABBY & MCCAUSLAND3 | PO BOX 2597 WATERLOO, IA 50704 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 5.10% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 | P.O. BOX 2597 WATERLOO, IA 50704 | UNION SECURITY INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 | P.O. BOX 2597 WATERLOO, IA 50704 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 | P.O. BOX 2597 WATERLOO, IA 50704 | UNION SECURITY INSURANCE COMPANY | $676 | — | $676 | 10.00% |
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 | 174 | 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) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | WELLMARK INC | 70 | $701K |
| Dental | UNION SECURITY INSURANCE COMPANY | 90 | $46K |
| Life insurance(2 contracts) | UNION SECURITY INSURANCE COMPANY | 174 | $31K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 37 | $10K |
| Prescription drug(2 contracts) | WELLMARK INC | 70 | $701K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.