| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUENORTH COMPANIES LC3 | 500 1ST ST SE CEDAR RAPIDS, IA 52401 | UNITEDHEALTHCARE INSURANCE COMPANY | $21K | — | $21K | 4.79% |
| BRYAN D ROBERTS3 | 2221 E LAMAR BLVD SUITE 450 ARLINGTON, TX 76006 | TRANSAMERICA LIFE INSURANCE COMPANY | $149 | — | $149 | 4.85% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES P ZANDER | 4655 N CENTRAL EXPRESSWAY 2ND FLOOR DALLAS, TX 75205 | TRANSAMERICA LIFE INSURANCE COMPANY | $137 | — | $137 | 4.46% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | TRANSAMERICA LIFE INSURANCE COMPANY | $70 | — | $70 | 2.28% |
| MARK S METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 60450 | TRANSAMERICA LIFE INSURANCE COMPANY | $49 | — | $49 | 1.59% |
| TRUENORTH COMPANIES LC3 | PO BOX 1863 CEDAR RAPIDS, IA 52406 | TRANSAMERICA LIFE INSURANCE COMPANY | $48 | — | $48 | 1.56% |
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 | 55 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 58 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 72 | $439K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 72 | $439K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 72 | $439K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 72 | $439K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 72 | $442K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 72 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.