| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUE NORTH COMPANIES LC3 Filed as: TRUE NORTH COMPANIES, L.C. | PO BOX 1863 CEDAR RAPIDS, IA 52406 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | — | $28K | $28K | 0.54% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS | 1055 LONGFELLOW DR STE B HIAWATHA, IA 52233 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | — | $19K | $19K | 0.36% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT RD SAINT CLOUD, MN 56301 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 4.98% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT RD STE 240 SAINT CLOUD, MN 563016363 | VISION SERVICE PLAN | — | $2K | $2K | 2.14% |
| TRUE NORTH COMPANIES LC3 Filed as: TRUE NORTH COMPANIES, L.C. | PO BOX 1863 CEDAR RAPIDS, IA 52406 | VISION SERVICE PLAN | — | $1K | $1K | 1.49% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT RD SUITE 240 SAINT CLOUD, MN 56301 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | — | $14K | 16.36% |
| NORTH RISK PARTNERS LLC3 | 2048 SUPERIOR DRIVE NW ROCHESTER, MN 55901 | DELTA DENTAL OF IOWA | $2K | $378 | $3K | — |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES | PO BOX 1863 CEDAR RAPIDS, IA 52406 | DELTA DENTAL OF IOWA | $823 | — | $823 | — |
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 | 466 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 479 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 386 | $5.1M |
| Dental | DELTA DENTAL OF IOWA | 397 | $0 |
| Vision | VISION SERVICE PLAN | 350 | $98K |
| Life insurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 478 | $246K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 478 | $161K |
| Prescription drug | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 386 | $5.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 478 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.