| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUE NORTH COMPANIES LC3 | PO BOX 1863 CEDAR RAPIDS, IA 524061863 | WELLMARK INC | — | — | $0 | 0.00% |
| TRUE NORTH COMPANIES LC3 | PO BOX 1863 CEDAR RAPIDS, IA 524061863 | WELLMARK INC | — | — | $0 | 0.00% |
| TRUE NORTH COMPANIES LC3 | 500 1ST STREET SE CEDAR RAPIDS, IA 52401 | DELTA DENTAL OF IOWA | — | — | $0 | 0.00% |
| TRUE NORTH COMPANIES LC3 | PO BOX 1863 CEDAR RAPIDS, IA 52406 | SUN LIFE ASSURANCE OF CANADA | — | $632 | $632 | 2.21% |
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 | 87 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | WELLMARK INC | 69 | $663K |
| Dental | DELTA DENTAL OF IOWA | 98 | $69K |
| Life insurance | SUN LIFE ASSURANCE OF CANADA | 112 | $29K |
| Long-term disability | SUN LIFE ASSURANCE OF CANADA | 112 | $29K |
| Prescription drug(2 contracts) | WELLMARK INC | 69 | $663K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.