| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUE NORTH COMPANIES LC3 Filed as: TRUE NORTH COMPANIES | 500 1ST STREET SE CEDAR RAPIDS, IA 52401 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $144K | — | $144K | 2.69% |
| TRUENORTH COMPANIES LC3 | 500 1ST ST SE CEDAR RAPIDS, IA 52401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $7K | $7K | 3.87% |
| TRUENORTH COMPANIES LC3 | 500 1ST ST SE CEDAR RAPIDS, IA 52401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 3.83% |
| TRUE NORTH COMPANIES LC3 Filed as: TRUE NORTH COMPANIES, L.C. | PO BOX 1863 CEDAR RAPIDS, IA 52406 | VISION SERVICE PLAN | $10K | — | $10K | 10.03% |
| ALAN PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $930 | — | $930 | 3.61% |
| TRUENORTH COMPANIES LC3 | PO BOX 1863 CEDAR RAPIDS, IA 52406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $723 | — | $723 | 2.81% |
| RHONDA S PAPE3 Filed as: RHONDA PAPE | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $640 | — | $640 | 2.48% |
| DANE PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $436 | — | $436 | 1.69% |
| COLE PAPE3 Filed as: COLE M PAPE | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $213 | — | $213 | 0.83% |
| RHONDA S PAPE3 | 208 AUSTIN AVE MAQUOKETA, IA 52060 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $170 | — | $170 | 6.49% |
| SCOTT G FREEMAN3 | 800 TIMBER CT CORALVILLE, IA 52241 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $170 | — | $170 | 6.49% |
| FINANCIAL ARCHITECTS, INC.3 | 39395 W 12 MILE RD #102, FARMINGTON MICHIGAN, MI 48331 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1 | — | $1 | 0.04% |
| ALAN PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $54 | — | $54 | 4.16% |
| TRUENORTH COMPANIES LC3 | PO BOX 1863 CEDAR RAPIDS, IA 52406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25 | — | $25 | 1.93% |
| RHONDA S PAPE3 Filed as: RHONDA PAPE | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25 | — | $25 | 1.93% |
| DANE PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 1.16% |
| COLE PAPE3 Filed as: COLE M PAPE | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.69% |
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 | 936 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 959 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 747 | $5.4M |
| Dental | DELTA DENTAL OF IOWA | 751 | $0 |
| Vision | VISION SERVICE PLAN | 605 | $99K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 936 | $176K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 7 | $3K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 936 | $109K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 936 | $203K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 936 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.