| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUE NORTH COMPANIES LC3 Filed as: TRUE NORTH COMPANIES LLC | 500 1ST STREET SE CEDAR RAPIDS, IA 52401 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $50K | — | $50K | 6.59% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES LLC | 500 1ST STREET SE CEDAR RAPIDS, IA 52401 | DELTA DENTAL OF IOWA | $2K | $1K | $3K | 7.28% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES LLC | 500 1ST STREET SE CEDAR RAPIDS, IA 52401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $573 | $3K | 12.93% |
| TRANSCEND TECHNOLOGIES GROUP, INC.5 Filed as: TRANSCEND TECHNOLOGIES GROUP | 3101 ZINFANDEL DRIVE STE 200 RANCHO CORDOVA, CA 95670 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 8.00% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES LLC | 500 1ST STREET SE CEDAR RAPIDS, IA 52401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $269 | $1K | 12.45% |
| TRANSCEND TECHNOLOGIES GROUP, INC.5 Filed as: TRANSCEND TECHNOLOGIES GROUP | 3101 ZINFANDEL DRIVE STE 200 RANCHO CORDOVA, CA 95670 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $878 | $878 | 8.00% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES LLC | 500 1ST STREET SE CEDAR RAPIDS, IA 52401 | METROPOLITAN LIFE INSURANCE COMPANY | $863 | $345 | $1K | 12.68% |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 135 | $765K |
| Dental | DELTA DENTAL OF IOWA | 142 | $43K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 185 | $10K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $11K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.