| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, L.C. | PO BOX 1863 CEDAR RAPIDS, IA 52406 | DELTA DENTAL OF IOWA | $3K | $222 | $4K | 6.07% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, L.C. | PO BOX 1863 CEDAR RAPIDS, IA 52406 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 13.26% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | HARTFORD LIFE AND ACCIDENT | $0 | $1K | $1K | 3.74% |
| NORTH RISK PARTNERS LLC3 | 615 HORSESHOE DR STE G GRINNELL, IA 50112 | HARTFORD LIFE AND ACCIDENT | -$307 | — | -$307 | -0.90% |
| TRUENORTH COMPANIES LC3 | PO BOX 1863 CEDAR RAPIDS, IA 524061863 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE ST 3RD FL CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $118 | $118 | 0.78% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, L.C. | PO BOX 1863 CEDAR RAPIDS, IA 524061863 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 10.01% |
| THREEFLOW3 | 306 W. ERIE STREET SUITE #300 CHICAGO, IL 60654 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $144 | — | $144 | 1.25% |
| TRUENORTH COMPANIES LC3 | PO BOX 1863 ATTN COMMISSIONS CEDAR RAPIDS, IA 52406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 9.58% |
| RICHARD J GINTHER3 | 4220 LINCOLN AVE DES MOINES, IA 50310 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 9.12% |
| JERRI J GREGORY3 | 791 NW 43RD AVE DES MOINES, IA 50313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $237 | $2 | $239 | 2.16% |
| AMANDA M GRIFFITH3 Filed as: AMANDA JEANNE KANE | 7505 SE VANDALIA DR RUNNELLS, IA 50237 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $180 | — | $180 | 1.63% |
| NORTH RISK PARTNERS LLC3 | DBA BERNIE LOWE AND ASSOCIATES GRINNELL, IA 50112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $94 | — | $94 | 0.85% |
| JOSEPH P CALARCO3 Filed as: JOSEPH MICHAEL EVANS | 13848 ROSEWOOD DR CLIVE, IA 50325 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.12% |
| RITA A FOUBERT3 | 204 MALLARD POINTE DR NW BONDURANT, IA 50035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
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 | 168 | 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) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WELLMARK HEALTH PLAN OF IOWA | 97 | $1.2M |
| Dental | DELTA DENTAL OF IOWA | 97 | $60K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 140 | $12K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 264 | $34K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 50 | $15K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 264 | $34K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 264 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 264 | — |
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.