| 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 | $82K | — | $82K | 1.49% |
| TRUE NORTH COMPANIES LC3 | PO BOX 1863 CEDAR RAPIDS, IA 52406 | SUN LIFE ASSURANCE COMPANY OF CANADA | $56K | — | $56K | 5.00% |
| UNITED BENEFIT ADVISORS LLC3 | 20 N WACKER DR SUITE 500 CHICAGO, IL 60606 | SUN LIFE ASSURANCE COMPANY OF CANADA | $28K | — | $28K | 2.50% |
| TRUE NORTH COMPANIES LC3 | PO BOX 1863 CEDAR RAPIDS, IA 52406 | SUN LIFE ASSURANCE COMPANY OF CANADA | $54K | — | $54K | 10.75% |
| TRUE NORTH COMPANIES LC3 Filed as: TRUE NORTH COMPANIES | 500 1ST STREET SE CEDAR RAPIDS, IA 52401 | DELTA DENTAL OF IOWA | $11K | $936 | $12K | 3.32% |
| SELECT NETWORKS | 317 6TH AVE SUITE 1040 DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $8K | — | $8K | 11.00% |
| TRUENORTH COMPANIES LC Filed as: TRUENORTH CO | PO BOX 1863 CEDAR RAPIDS, IA 52406 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
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 | 565 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 593 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 565 | $5.5M |
| Dental | DELTA DENTAL OF IOWA | 525 | $346K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 475 | $74K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 763 | $506K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 763 | $506K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 763 | $506K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 575 | $1.1M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 763 | $506K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 763 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.