| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUE NORTH COMPANIES LC3 | PO BOX 1863 CEDAR RAPIDS, IA 52406 | WELLMARK INC | $0 | $0 | $0 | 0.00% |
| TRUE NORTH COMPANIES LC3 | PO BOX 1863 CEDAR RAPIDS, IA 52406 | DELTA DENTAL | $3K | $14K | $17K | 29.33% |
| TRUE NORTH COMPANIES LC3 | PO BOX 1863 CEDAR RAPIDS, IA 52406 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $5K | $8K | 22.50% |
| TRUE NORTH COMPANIES LC3 | PO BOX 1863 CEDAR RAPIDS, IA 52406 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 9.12% |
| TRUE NORTH COMPANIES LC3 | PO BOX 1863 CEDAR RAPIDS, IA 52406 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 23.57% |
| TRUE NORTH COMPANIES LC3 | PO BOX 1863 CEDAR RAPIDS, IA 52406 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 22.47% |
| PAPE ALAN Filed as: PAPE | 115 E PLATT ST MAQUOKETA, IA 52060 | ALLSTATE BENEFITS | $1K | — | $1K | 23.81% |
| TRUENORTH COMPANIES LC Filed as: TRUENORTH COMPANIES LLC | PO BOX 1863 CEDAR RAPIDS, IA 524061863 | ALLSTATE BENEFITS | $857 | — | $857 | 14.01% |
| UNITED OF OMAHA LIFE INSURANCE CO5 Filed as: UNITED OF OMAHA LIFE INSURANCE COMP | MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $8K | $8K | — |
| TRUE NORTH COMPANIES LC3 | PO BOX 1863 CEDAR RAPIDS, IA 52406 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $135 | $135 | — |
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 | 175 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK INC | 195 | $1.5M |
| Dental | DELTA DENTAL | 175 | $58K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 286 | $19K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 220 | $34K |
| Short-term disability(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 220 | $40K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 220 | $36K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 220 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.