| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUE NORTH COMPANIES LC3 | P O BOX 1863 CEDAR RAPIDS, IA 52401 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | — | $80K | $80K | 7.21% |
| TRUE NORTH COMPANIES LC3 | P O BOX 1863 CEDAR RAPIDS, IA 52401 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | — | $4K | $4K | 7.33% |
| TRUE NORTH COMPANIES LC3 | P O BOX 1863 CEDAR RAPIDS, IA 52401 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 9.18% |
| FRANK BERLIN & ASSOCIATES3 Filed as: FRANK W BERLIN & ASSOC | 4949 WESTOWN PKWY STE 200 WEST DES MOINES, IA 50266 | STANDARD INSURANCE COMPANY | $323 | — | $323 | 2.07% |
| TRUE NORTH COMPANIES LC3 | P O BOX 1863 CEDAR RAPIDS, IA 52401 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 9.89% |
| FRANK BERLIN & ASSOCIATES3 Filed as: FRANK W BERLIN & ASSOC | 4949 WESTOWN PKWY STE 200 WEST DES MOINES, IA 50266 | STANDARD INSURANCE COMPANY | $265 | — | $265 | 2.07% |
| THE VOGT GROUP3 | 1750 CREEK WOOD DRIVE DUBUQUE, IA 52003 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $580 | — | $580 | 14.99% |
| GROUP SOLUTIONS LLC3 | 2501 COPPER CREEK LANE BUFFALO, MN 55313 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $309 | $309 | 7.99% |
| THE VOGT GROUP3 | 1750 CREEK WOOD DRIVE DUBUQUE, IA 52003 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $261 | — | $261 | 15.01% |
| GROUP SOLUTIONS LLC3 | 2501 COPPER CREEK LANE BUFFALO, MN 55313 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $139 | $139 | 7.99% |
| THE VOGT GROUP3 | 1750 CREEK WOOD DRIVE DUBUQUE, IA 52003 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $114 | — | $114 | 14.98% |
| GROUP SOLUTIONS LLC3 | 2501 COPPER CREEK LANE BUFFALO, MN 55313 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $61 | $61 | 8.02% |
| THE VOGT GROUP3 | 1750 CREEK WOOD DRIVE DUBUQUE, IA 52003 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $86 | — | $86 | 15.06% |
| GROUP SOLUTIONS LLC3 | 2501 COPPER CREEK LANE BUFFALO, MN 55313 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $46 | $46 | 8.06% |
| THE VOGT GROUP3 | 1750 CREEK WOOD DRIVE DUBUQUE, IA 52003 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $75 | — | $75 | 15.00% |
| GROUP SOLUTIONS LLC3 | 2501 COPPER CREEK LANE BUFFALO, MN 55313 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $40 | $40 | 8.00% |
| THE VOGT GROUP3 | 1750 CREEK WOOD DRIVE DUBUQUE, IA 52003 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9 | — | $9 | 14.52% |
| GROUP SOLUTIONS LLC3 | 2501 COPPER CREEK LANE BUFFALO, MN 55313 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $4 | $4 | 6.45% |
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 | 255 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 159 | $1.1M |
| Dental | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 102 | $61K |
| Life insurance(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 269 | $15K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 23 | $16K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 22 | $571 |
| Other(4 contracts, 2 carriers) | AIG BENEFIT SOLUTIONS | 269 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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.