| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES LLC | 500 1ST STREET SE CEDAR RAPIDS, IA 52401 | DELTA DENTAL OF IOWA | $2K | $396 | $2K | 14.95% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, LC | 500 1ST STREET SE CEDAR RAPIDS, IA 52401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $166 | $2K | 16.45% |
| GROUP SOLUTIONS LLC3 | 16703 RIVER ROAD NORTH BRANCH, MN 55056 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $921 | $921 | 8.00% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, LC | 500 1ST STREET SE CEDAR RAPIDS, IA 52401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $144 | $1K | 16.79% |
| GROUP SOLUTIONS LLC3 | 16703 RIVER ROAD NORTH BRANCH, MN 55056 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $643 | $643 | 8.00% |
| SELECT NETWORKS3 | 6165 NW 86TH STREET SUITE 108 JOHNSTON, IA 50131 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $516 | — | $516 | 10.04% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, LLC | PO BOX 1863 CEDAR RAPIDS, IA 52406 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $469 | — | $469 | 9.12% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, LC | 500 1ST STREET SE CEDAR RAPIDS, IA 52401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $571 | $51 | $622 | 16.34% |
| GROUP SOLUTIONS LLC3 | 16703 RIVER ROAD NORTH BRANCH, MN 55056 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $304 | $304 | 7.99% |
| SELECT NETWORKS3 | 6165 NW 86TH STREET SUITE 108 JOHNSTON, IA 50131 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $371 | — | $371 | 11.00% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, LLC | PO BOX 1863 CEDAR RAPIDS, IA 52406 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $337 | — | $337 | 9.99% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, LC | 500 1ST STREET SE CEDAR RAPIDS, IA 52401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $114 | $14 | $128 | 16.89% |
| GROUP SOLUTIONS LLC3 | 16703 RIVER ROAD NORTH BRANCH, MN 55056 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $61 | $61 | 8.05% |
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 | 116 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 31 | $117K |
| Dental | DELTA DENTAL OF IOWA | 28 | $17K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 78 | $9K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 116 | $8K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 15 | $12K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 10 | $4K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 116 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.