Welfare broker

PEDERSEN DOWIE CLABBY

Mailing address (most recent filing)

MCCAUSELAND INS

3022 AIRPORT BLVD PO 2597

WATERLOO, IA 50703

Total comp: $100K
Commissions: $93K
Fees: $6K
Filings: 8
Sponsors: 8

Carrier mix

Where PEDERSEN DOWIE CLABBY places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

STANDARD INSURANCE COMPANY50.0%
BLUE CROSS OF CALIFORNIA50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
STANDARD INSURANCE COMPANY	1	$31K	50.0%
BLUE CROSS OF CALIFORNIA	1	$2.7M	50.0%

Top states · with penetration index

Plan count by state. Index > 1.0means over-indexed vs the broker's national share.

State	Plans	Premium	State share	Index
IA	2	$2.7M	0.2%	105.23x

Top industries by premium

NAICS-2 sectors where this broker places the most welfare premium.

Sponsor-size mix

Plan count by total participants. Reveals whether this broker is a mid-market player or jumbo-employer specialist.

Broker compensation as % of premium

Distribution of PEDERSEN DOWIE CLABBY's plans by broker comp / premium ratio. Median 4.81% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

Share of PEDERSEN DOWIE CLABBY's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where PEDERSEN DOWIE CLABBY is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
CBE COMPANIES, INC CBE COMPANIES, INC	IA	$2.7M	$35K	WELLMARK HEALTH PLAN OF IOWA, INC.
PRECISION OF NEW HAMPTON, INC. PRECISION OF NEW HAMPTON, INC. SHORT TERM DISABILITY PLAN	IA	$31K	$3K	STANDARD INSURANCE COMPANY

Carrier

Plans

Premium

STANDARD INSURANCE COMPANY

$31K

50.0%

BLUE CROSS OF CALIFORNIA

$2.7M

50.0%

State

Plans

Premium

State share

Index

$2.7M

0.2%

105.23x

Sponsor

Loc

Premium

Comp

Carrier

CBE COMPANIES, INC

$2.7M

$35K

WELLMARK HEALTH PLAN OF IOWA, INC.

PRECISION OF NEW HAMPTON, INC.

PRECISION OF NEW HAMPTON, INC. SHORT TERM DISABILITY PLAN

$31K

$3K

STANDARD INSURANCE COMPANY