| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES | PO BOX 1863 CEDAR RAPIDS, IA 52406 | HM LIFE INSURANCE CO | $38K | — | $38K | 15.00% |
| THE ROCKWOOD COMPANY3 Filed as: THE ROCKWOOD CO | 20 N WACKER DR CHICAGO, IL 60606 | UNITED OF OMAHA INSURANCE COMPANY | $8K | $2K | $10K | 12.25% |
| THE ROCKWOOD COMPANY3 | 20 N WACKER DR FL960 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE CO | $3K | $651 | $4K | 12.17% |
| THE ROCKWOOD COMPANY3 | 20 N WACKER CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $451 | $3K | 12.13% |
| THE ROCKWOOD COMPANY3 | 20 N WACKER DR CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE CO | $2K | $389 | $2K | 12.48% |
| THE ROCKWOOD COMPANY3 | 20 N WACKER DR CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE CO | — | $165 | $165 | 2.25% |
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 | 297 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 351 | $133K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA INSURANCE COMPANY | 325 | $113K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE CO | 297 | $7K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 147 | $37K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE CO | 203 | $252K |
| Other | UNITED OF OMAHA LIFE INSURANCE CO | 297 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 351 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.