| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NONE3 | — | KAISER FOUNDATION HEALTH PLAN, INC | — | — | $0 | 0.00% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA LIFE INSURANCE CO. | $80K | $0 | $80K | 15.85% |
| FRANK BERLIN & ASSOCIATES3 | 4949 WESTOWN PARKWAY, SUITE 200 WEST DES MOINES, IA 50266 | TRANSAMERICA LIFE INSURANCE CO. | $31K | $0 | $31K | 6.10% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA LIFE INSURANCE CO. | $19K | $0 | $19K | 3.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 7225 NORTHLAND DR N STE 300 MINNEAPOLIS, MN 554281575 | RELIASTAR LIFE INSURANCE COMPANY | $7K | $0 | $7K | 1.50% |
| TRUENORTH COMPANIES LC3 | 421 4TH AVENUE SE CEDAR RAPIDS, IA 52401 | RELIASTAR LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.50% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | STONEBRIDGE LIFE INSURANCE | $19K | $0 | $19K | 4.61% |
| FRANK BERLIN & ASSOCIATES3 | 4949 WESTOWN PARKWAY STE. 200 WEST DES MOINES, IA 50266 | STONEBRIDGE LIFE INSURANCE | $3K | $0 | $3K | 0.65% |
| TRUENORTH COMPANIES LC3 | 421 4TH AVENUE SE CEDAR RAPIDS, IA 52401 | RELIASTAR LIFE INSURANCE COMPANY | $17K | $0 | $17K | 7.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 7225 NORTHLAND DR N STE 300 MINNEAPOLIS, MN 554281575 | RELIASTAR LIFE INSURANCE COMPANY | $4K | $0 | $4K | 1.49% |
| TRUENORTH COMPANIES LC3 | 421 4TH AVENUE SE CEDAR RAPIDS, IA 52401 | RELIASTAR LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.51% |
| TRUENORTH COMPANIES LC3 | 421 4TH AVENUE SE CEDAR RAPIDS, IA 52401 | RELIASTAR LIFE INSURANCE COMPANY | $21K | $0 | $21K | 11.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 7225 NORTHLAND DR N STE 300 MINNEAPOLIS, MN 554281575 | RELIASTAR LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.50% |
| TRUENORTH COMPANIES LC3 | 421 4TH AVENUE SE CEDAR RAPIDS, IA 52401 | RELIASTAR LIFE INSURANCE COMPANY | $913 | $0 | $913 | 0.50% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, L.C. | 500 1ST ST. SE CEDAR RAPIDS, IA 52401 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28K | $0 | $28K | 18.71% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, L.C. | PO BOX 1863 CEDAR RAPIDS, IA 524061863 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | $0 | $7K | 4.87% |
| ALAN PAPE3 | 115 E PLATT ST. MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.96% |
| RHONDA S PAPE3 Filed as: RHONDA PAPE | 115 E PLATT ST. MAQUOKETA, IN 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $184 | $0 | $184 | 0.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 7225 NORTHLAND DR N STE 300 MINNEAPOLIS, MN 554281575 | RELIASTAR LIFE INSURANCE COMPANY | $909 | $0 | $909 | 1.50% |
| TRUENORTH COMPANIES LC3 | 421 4TH AVENUE SE CEDAR RAPIDS, IA 52401 | RELIASTAR LIFE INSURANCE COMPANY | $304 | $0 | $304 | 0.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 7225 NORTHLAND DR N. STE 300 MINNEAPOLIS, MN 554281575 | TELEDOC | $3K | — | $3K | 15.00% |
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 | 996 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 39 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,035 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC | 235 | $1.5M |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 1,161 | $454K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,219 | $238K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,161 | $181K |
| Prescription drug | STONEBRIDGE LIFE INSURANCE | 235 | $422K |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,161 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,219 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.