| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUENORTH COMPANIES LC3 | 500 1ST ST SE CEDAR RAPIDS, IA 52401 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $31K | — | $31K | 3.99% |
| TRUENORTH COMPANIES LC3 | 500 1ST ST SE CEDAR RAPIDS, IA 52401 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $12K | — | $12K | 3.87% |
| TRUENORTH COMPANIES LC3 | 500 1ST ST SE CEDAR RAPIDS, IA 52401 | DELTA DENTAL OF IOWA | $4K | $10K | $14K | 23.78% |
| TRUENORTH COMPANIES LC3 | 500 1ST ST SE CEDAR RAPIDS, IA 52401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 11.83% |
| TRUENORTH COMPANIES LC3 | 500 1ST ST SE CEDAR RAPIDS, IA 52401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 18.59% |
| TRUENORTH COMPANIES LC3 | 500 1ST ST SE CEDAR RAPIDS, IA 52401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 16.89% |
| TRUENORTH COMPANIES LC3 | 500 1ST ST SE CEDAR RAPIDS, IA 52401 | VISION SERVICE PLAN | $1K | — | $1K | 5.06% |
| TRUENORTH COMPANIES LC3 | 500 1ST ST SE CEDAR RAPIDS, IA 52401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $959 | $390 | $1K | 14.07% |
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 | 157 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF IOWA | 136 | $60K |
| Vision | VISION SERVICE PLAN | 151 | $25K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $39K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $50K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.