| 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 | DELTA DENTAL OF IOWA | $4K | $414 | $4K | 6.62% |
| TRUE NORTH COMPANIES LC3 Filed as: TRUE NORTH COMPANIES LLC | PO BOX 1863 CEDAR RAPIDS, IA 52406 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $3K | $7K | 16.20% |
| TRUE NORTH COMPANIES LC3 Filed as: TRUE NORTH COMPANIES LLC | PO BOX 1863 CEDAR RAPIDS, IA 52406 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $343 | $2K | 12.73% |
| TRUE NORTH COMPANIES LC3 Filed as: TRUE NORTH COMPANIES LLC | PO BOX 1863 CEDAR RAPIDS, IA 52406 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $136 | $2K | 10.74% |
| TRUE NORTH COMPANIES LC3 Filed as: TRUE NORTH COMPANIES LLC | PO BOX 1863 CEDAR RAPIDS, IA 52406 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 17.87% |
| PAPE ALAN3 Filed as: PAPE | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $608 | — | $608 | 16.72% |
| TRUE NORTH COMPANIES LC3 Filed as: TRUE NORTH COMPANIES LLC | PO BOX 1863 CEDAR RAPIDS, IA 52406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $130 | — | $130 | 3.58% |
| 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 | $0 | $7K | $7K | — |
| TRUE NORTH COMPANIES LC3 Filed as: TRUE NORTH COMPANIES LLC | PO BOX 1863 CEDAR RAPIDS, IA 52406 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $627 | $627 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $217K |
| TRUE NORTH COMPANIES LLC EIN 42-1513015 BROKER | Other commissions Service code 55 | 500 1ST ST SE CEDAR RAPIDS, IA 52401 | $84K |
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 | 208 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | US FIRE INS-MSL CAPTIVE SOL | 208 | $466K |
| Dental | DELTA DENTAL OF IOWA | 191 | $66K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 299 | $19K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 231 | $37K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 231 | $4K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 231 | $42K |
| Other | UNITED HEALTHCARE INSURANCE COMPANY | 0 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.