| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUENORTH COMPANIES LC3 | 500 1ST ST SE CEDAR RAPIDS, IA 52401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.59% |
| TRUE NORTH COMPANIES LC3 Filed as: TRUE NORTH COMPANIES, L.C. | P.O. BOX 1863 CEDAR RAPIDS, IA 524061863 | VISION SERVICE PLAN | $6K | — | $6K | 9.99% |
| TRUENORTH COMPANIES LC3 | 500 1ST ST SE CEDAR RAPIDS, IA 52401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.64% |
| ALAN PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 3.75% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, L.C. | P.OL BOX 1863 CEDAR RAPIDS, IA 524061863 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $746 | — | $746 | 2.71% |
| RHONDA S PAPE3 Filed as: RHONDA PAPE | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $665 | — | $665 | 2.42% |
| DANE PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $462 | — | $462 | 1.68% |
| COLE PAPE3 Filed as: COLE M PAPE | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $217 | — | $217 | 0.79% |
| SCOTT G FREEMAN3 | 800 TIMBER CT CORALVILLE, IA 52241 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $180 | — | $180 | 6.49% |
| RHONDA S PAPE3 | 208 AUSTIN AVE MAQUOKETA, IA 52060 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $180 | — | $180 | 6.49% |
| FINANCIAL ARCHITECTS, INC.3 | 12345 UNIVERSITY AVE STE 200 CLIVE, IA 50325 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1 | — | $1 | 0.04% |
| ALAN PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $61 | — | $61 | 3.62% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, L.C. | P.O. BOX 1863 CEDAR RAPIDS, IA 524061863 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $35 | — | $35 | 2.08% |
| RHONDA S PAPE3 Filed as: RHONDA PAPE | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $33 | — | $33 | 1.96% |
| DANE PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | — | $20 | 1.19% |
| COLE PAPE3 Filed as: COLE M PAPE | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.71% |
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 | 576 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 590 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 463 | $3.4M |
| Vision | VISION SERVICE PLAN | 344 | $59K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 579 | $86K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 8 | $3K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 579 | $54K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 579 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 579 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.