| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUE NORTH COMPANIES LC Filed as: TRUE NORTH COMPANIES | PO BOX 1863 CEDAR RAPIDS, IA 52406 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $81K | $338K | $419K | 8.54% |
| TRUE NORTH COMPANIES LC3 | PO BX 1863 CEDAR RAPIDS, IA 52406 | SUN LIFE ASSURANCE COMPANY OF CANADA | $46K | — | $46K | 5.00% |
| UNITED BENEFIT ADVISORS LLC3 | 20 N WACKER DR SUITE 500 CHICAGO, IL 60606 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | — | $14K | 1.50% |
| TRUE NORTH COMPANIES LC3 | PO BOX 1863 CEDAR RAPIDS, IA 52406 | SUN LIFE ASSURANCE COMPANY OF CANADA | $58K | — | $58K | 10.53% |
| TRUE NORTH COMPANIES LC3 Filed as: TRUE NORTH COMPANIES | PO BOX 1863 CEDAR RAPIDS, IA 52406 | DELTA DENTAL OF IOWA | $10K | $2K | $12K | 3.41% |
| TRUE NORTH COMPANIES LC3 Filed as: TRUE NORTH COMPANIES | PO BOX 1863 CEDAR RAPIDS, IA 52406 | VERATRUS BENEFIT SOLUTIONS | $9K | — | $9K | 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 | 581 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 609 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 0 | $4.9M |
| Dental | DELTA DENTAL OF IOWA | 546 | $354K |
| Vision | VERATRUS BENEFIT SOLUTIONS | 512 | $86K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 775 | $547K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 775 | $547K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 775 | $547K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 581 | $921K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 775 | $547K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 775 | — |
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.