| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUENORTH COMPANIES LC3 | PO BOX 1863 CEDAR RAPIDS, IA 52406 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.00% |
| GROUP SOLUTIONS LLC3 | 16703 RIVER ROAD NORTH BRANCH, MN 55056 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.00% |
| TRUENORTH COMPANIES LC3 | PO BOX 1863 CEDAR RAPIDS, IA 52406 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 15.00% |
| GROUP SOLUTIONS LLC3 | 16703 RIVER ROAD NORTH BRANCH, MN 55056 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| TRUENORTH COMPANIES LC3 | PO BOX 1863 CEDAR RAPIDS, IA 52406 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 15.00% |
| GROUP SOLUTIONS LLC3 | 16703 RIVER ROAD NORTH BRANCH, MN 55056 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| TRUENORTH COMPANIES LC3 | PO BOX 1863 CEDAR RAPIDS, IA 52406 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
| GROUP SOLUTIONS LLC3 | 16703 RIVER ROAD NORTH BRANCH, MN 55056 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.00% |
| TRUENORTH COMPANIES LC3 | PO BOX 1863 CEDAR RAPIDS, IA 52406 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $614 | $0 | $614 | 5.00% |
| GROUP SOLUTIONS LLC3 | 16703 RIVER ROAD NORTH BRANCH, MN 55056 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $614 | $614 | 5.00% |
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 | 155 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 126 | $77K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 104 | $12K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 221 | $25K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 150 | $46K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 155 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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.