| 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 | $157K | — | $157K | 2.18% |
| TRUENORTH COMPANIES LC3 | 500 1ST ST SE CEDAR RAPIDS, IA 52401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $7K | $7K | 4.10% |
| TRUENORTH COMPANIES LC3 | 500 1ST ST SE CEDAR RAPIDS, IA 52401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 4.02% |
| TRUE NORTH COMPANIES LC3 Filed as: TRUE NORTH COMPANIES, L.C. | PO BOX 1863 CEDAR RAPIDS, IA 524061863 | VISION SERVICE PLAN | $11K | — | $11K | 10.00% |
| RHONDA S PAPE3 | 208 AUSTIN AVE MAQUOKETA, IA 52060 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $131 | — | $131 | 6.52% |
| SCOTT G FREEMAN3 | 800 TIMBER CT CORALVILLE, IA 52241 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $131 | — | $131 | 6.52% |
| FINANCIAL ARCHITECTS, INC.3 | 39395 W 12 MILE RD #102, FARMINGTON MICHIGAN, MI 48331 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1 | — | $1 | 0.05% |
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 | 874 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 893 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 715 | $7.2M |
| Dental | DELTA DENTAL OF IOWA | 726 | $0 |
| Vision | VISION SERVICE PLAN | 579 | $111K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 874 | $181K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 6 | $2K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 874 | $115K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 874 | $181K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 874 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.