| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUE NORTH COMPANIES LC3 | P O BOX 1863 CEDAR RAPIDS, IA 524061863 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | — | $70K | $70K | 7.90% |
| TRUE NORTH COMPANIES LC3 | P O BOX 1863 CEDAR RAPIDS, IA 524061863 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | — | $4K | $4K | 7.26% |
| TRICOR, INC3 Filed as: TRICOR INC | 500 IOWA STREET DUBUQUE, IA 52001 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 8.64% |
| TRUE NORTH COMPANIES LC3 | P O BOX 1863 CEDAR RAPIDS, IA 524061863 | STANDARD INSURANCE COMPANY | $76 | — | $76 | 0.47% |
| TRICOR, INC3 Filed as: TRICOR INC | 500 IOWA STREET DUBUQUE, IA 52001 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 9.58% |
| TRUE NORTH COMPANIES LC3 | P O BOX 1863 CEDAR RAPIDS, IA 524061863 | STANDARD INSURANCE COMPANY | $63 | — | $63 | 0.49% |
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 | 166 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 136 | $892K |
| Dental | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 96 | $57K |
| Life insurance | STANDARD INSURANCE COMPANY | 175 | $13K |
| Short-term disability | STANDARD INSURANCE COMPANY | 66 | $16K |
| Other | AIG BENEFIT SOLUTIONS | 134 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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.
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.