| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUENORTH COMPANIES LC3 | PO BOX 1863 CEDAR RAPIDS, IA 52406 | WELLMARK BLUE CROSS & BLUE SHIELD OF IOWA | $55K | — | $55K | 1.22% |
| TRUENORTH COMPANIES LC3 | 421 4TH AVENUE SE CEDAR RAPIDS, IA 52401 | RELIASTAR LIFE INSURANCE COMPANY | $33K | $0 | $33K | 12.50% |
| TRUENORTH COMPANIES LC3 | PO BOX 1863 CEDAR RAPIDS, IA 52406 | AMERITAS LIFE INSURANCE CORP. | $5K | — | $5K | 10.00% |
| TRUENORTH COMPANIES LC3 | 500 1ST STREET SE CEDAR RAPIDS, IA 52401 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13K | — | $13K | 37.12% |
| ALAN PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $309 | — | $309 | 0.85% |
| RHONDA S PAPE3 Filed as: RHONDA PAPE | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $228 | — | $228 | 0.63% |
| TRUENORTH COMPANIES LC4 | 500 1ST STREET SE CEDAR RAPIDS, IA 52401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 15.79% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES LLC | 2221 E. LAMAR BLVD SUIRE 450 ARLINGTON, TX 76006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 8.52% |
| HIGGINBOTHAM INS AGENCY INC3 | 500 WEST 13TH STREET FORT WORTH, TX 76201 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 6.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GROUP RESOURCES OF IOWA, LLC EIN 46-2462169 THIRD PARTY ADMINISTRATOR | Claims processing Service code 12 | PO BOX 3440 SIOUX CITY, IA 51102 | $14K |
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 | 337 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 337 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS & BLUE SHIELD OF IOWA | 337 | $4.5M |
| Vision | AMERITAS LIFE INSURANCE CORP. | 563 | $47K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 438 | $264K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 112 | $36K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 438 | $264K |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 438 | $294K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 563 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.