| 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 | $0 | $86K | $86K | 7.14% |
| TRUE NORTH COMPANIES LC3 | P O BOX 1863 CEDAR RAPIDS, IA 52401 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $0 | $5K | $5K | 8.10% |
| THE VOGT GROUP3 | 1750 CREEK WOOD DRIVE DUBUQUE, IA 52003 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $97 | $3K | 15.58% |
| GROUP SOLUTIONS LLC3 | 2501 COPPER CREEK LANE BUFFALO, MN 55313 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $1K | $1K | 8.00% |
| THE VOGT GROUP3 | 1750 CREEK WOOD DRIVE DUBUQUE, IA 52003 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $19 | $2K | 15.19% |
| GROUP SOLUTIONS LLC3 | 2501 COPPER CREEK LANE BUFFALO, MN 55313 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $792 | $792 | 8.00% |
| THE VOGT GROUP3 | 1750 CREEK WOOD DRIVE DUBUQUE, IA 52003 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $14 | $1K | 15.15% |
| GROUP SOLUTIONS LLC3 | 2501 COPPER CREEK LANE BUFFALO, MN 55313 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $728 | $728 | 8.00% |
| THE VOGT GROUP3 | 1750 CREEK WOOD DRIVE DUBUQUE, IA 52003 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $13 | $1K | 15.16% |
| GROUP SOLUTIONS LLC3 | 2501 COPPER CREEK LANE BUFFALO, MN 55313 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $658 | $658 | 8.00% |
| THE VOGT GROUP3 | 1750 CREEK WOOD DRIVE DUBUQUE, IA 52003 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $43 | $1K | 15.57% |
| GROUP SOLUTIONS LLC3 | 2501 COPPER CREEK LANE BUFFALO, MN 55313 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $598 | $598 | 8.00% |
| THE VOGT GROUP3 | 1750 CREEK WOOD DRIVE DUBUQUE, IA 52003 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $276 | $2 | $278 | 15.13% |
| GROUP SOLUTIONS LLC3 | 2501 COPPER CREEK LANE BUFFALO, MN 55313 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $110 | $110 | 5.98% |
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 | 245 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 148 | $1.2M |
| Dental | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 97 | $58K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 253 | $17K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 84 | $25K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 22 | $9K |
| Other(3 contracts, 2 carriers) | TOKIO MARINE HCC | 253 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.