| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF OHIO LLC | 3000 KINROSS LAKES PKWY RICHFIELD, OH 44286 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | — | $14K | 8.28% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES | 147 N 2ND EAST STE 2 REXBURG, ID 834401658 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 1.72% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INSURANCE AGENCY INC | 2305 RIVER RD LOUISVILLE, KY 402061010 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.29% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES | PO BOX 1863 CEDAR RAPIDS, IA 52406 | DELTA DENTAL OF IOWA | $167 | $0 | $167 | 0.10% |
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 | 331 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 331 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 127 | $2.0M |
| Dental | DELTA DENTAL OF IOWA | 244 | $162K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 487 | $173K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 487 | $173K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 487 | $173K |
| Prescription drug(2 contracts) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 127 | $2.0M |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 487 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 487 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.