| 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 | $52K | — | $52K | 1.60% |
| TRUENORTH COMPANIES LC3 | 421 4TH AVENUE SE CEDAR RAPIDS, IA 52401 | RELIASTAR LIFE INSURANCE COMPANY | $40K | $0 | $40K | 13.14% |
| TRUENORTH COMPANIES LC4 | 500 1ST STREET SE CEDAR RAPIDS, IA 52401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 14.54% |
| TRUENORTH COMPANIES LC3 | PO BOX 1863 CEDAR RAPIDS, IA 52406 | AMERITAS LIFE INSURANCE CORP. | $3K | — | $3K | 10.02% |
| TRUENORTH COMPANIES LC3 | 500 1ST STREET SE CEDAR RAPIDS, IA 52401 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 36.06% |
| ALAN PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26 | — | $26 | 0.84% |
| RHONDA S PAPE3 Filed as: RHONDA PAPE | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19 | — | $19 | 0.61% |
| 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 | 316 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 316 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS & BLUE SHIELD OF IOWA | 316 | $3.2M |
| Vision | AMERITAS LIFE INSURANCE CORP. | 352 | $27K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 402 | $307K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 1 | $3K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 402 | $307K |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 402 | $335K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 402 | — |
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.