| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUENORTH COMPANIES LC3 | 500 1ST STREET SOUTHEAST CEDAR RAPIDS, IA 52401 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | $466 | $19K | 4.24% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES P ZANDER | 4655 NORTH CENTRAL EXPRESSWAY FLOOR 2 DALLAS, TX 75205 | UNITEDHEALTHCARE INSURANCE COMPANY | $215 | — | $215 | 0.05% |
| GIS OF ILLINOIS3 Filed as: GIS BNEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | ACE AMERICAN INSURANCE COMPANY | $2K | — | $2K | 17.15% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | P.O. BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $411 | $2K | 24.89% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES L C | P.O. BOX 1863 CEDAR RAPIDS, IA 52406 | METROPOLITAN LIFE INSURANCE COMPANY | — | $193 | $193 | 2.34% |
| GIS OF ILLINOIS3 Filed as: GIS BNEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | — | $90 | $90 | 1.09% |
| JAMES ZANDER3 | 4655 NORTH CENTRAL EXPRESSWAY FLOOR 2 DALLAS, TX 75205 | METROPOLITAN LIFE INSURANCE COMPANY | — | $56 | $56 | 0.68% |
| GIS OF ILLINOIS3 Filed as: GIS BNEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | ACE AMERICAN INSURANCE COMPANY | $896 | — | $896 | 17.15% |
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 | 165 | 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) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 80 | $444K |
| Dental | ACE AMERICAN INSURANCE COMPANY | 8 | $5K |
| Vision | ACE AMERICAN INSURANCE COMPANY | 65 | $9K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 182 | $8K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 182 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.