| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUE NORTH COMPANIES LC Filed as: TRUE NORTH CO | PO BOX 1863 CEDAR RAPIDS, IA 52406 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $78K | — | $78K | 1.47% |
| TRUE NORTH COMPANIES LC3 Filed as: TRUE NORTH COMPANIES | PO BOX 1863 CEDAR RAPIDS, IA 52406 | SUN LIFE ASSURANCE COMPANY OF CANADA | $47K | $7K | $54K | 11.82% |
| FRANK BERLIN & ASSOCIATES Filed as: FRANK W BERLIN & ASSOCIATES | 4949 WESTOWN PKWY STE 200 WEST DES MOINES, IA 50266 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 0.60% |
| TRUE NORTH COMPANIES LC3 Filed as: TRUE NORTH COMPANIES | 500 1ST STREET SE CEDAR RAPIDS, IA 52401 | DELTA DENTAL OF IOWA | $10K | $740 | $10K | 3.06% |
| SELECT NETWORKS | 317 6TH AVE. SUITE 1040 DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $8K | — | $8K | 11.01% |
| TRUE NORTH COMPANIES LC Filed as: TRUE NORTH CO | PO BOX 1863 CEDAR RAPIDS, IA 52406 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $7K | — | $7K | 10.01% |
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 | 550 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 570 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 550 | $5.3M |
| Dental | DELTA DENTAL OF IOWA | 498 | $337K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 464 | $71K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,656 | $458K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,656 | $458K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,656 | $458K |
| Stop-loss / reinsurancereinsurance | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 550 | $5.3M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,656 | $458K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,656 | — |
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."
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.