| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUE NORTH COMPANIES LC3 Filed as: TRUE NORTH COMPANIES LLC | PO BOX 1863 CEDAR RAPIDS, IA 52406 | WELLMARK INC | $0 | $0 | $0 | 0.00% |
| TRUE NORTH COMPANIES LC3 Filed as: TRUE NORTH COMPANIES LLC | PO BOX 1863 CEDAR RAPIDS, IA 52406 | MUTUAL OF OMAHA | $7K | $10K | $17K | 21.74% |
| TRUE NORTH COMPANIES LC3 Filed as: TRUE NORTH COMPANIES LLC | PO BOX 1863 CEDAR RAPIDS, IA 52406 | DELTA DENTAL | $4K | $440 | $4K | 5.93% |
| TRUE NORTH COMPANIES LC3 Filed as: TRUE NORTH COMPANIES LLC | PO BOX 1863 CEDAR RAPIDS, IA 52406 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 9.80% |
| PAPE ALAN Filed as: PAPE | 115 E PLATT MAQUOKETA, IA 52060 | ALLSTATE BENEFITS | $497 | — | $497 | 14.45% |
| TRUE NORTH COMPANIES LC Filed as: TRUE NORTH COMPANIES LLC | PO BOX 1863 CEDAR RAPIDS, IA 52406 | ALLSTATE BENEFITS | $295 | — | $295 | 8.58% |
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 | 209 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK INC | 209 | $1.7M |
| Dental | DELTA DENTAL | 187 | $71K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 300 | $20K |
| Life insurance | MUTUAL OF OMAHA | 235 | $79K |
| Short-term disability | ALLSTATE BENEFITS | 5 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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.