| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH | 500 1ST STREET NE CEDAR RAPIDS, IA 52401 | DELTA DENTAL OF IOWA | $164K | $14K | $178K | 9.07% |
| FRANK BERLIN & ASSOCIATES3 Filed as: FRANK W BERLIN & ASSOCIATES | 4949 WESTOWN PARKWAY, SUITE 200 WEST DES MOINES, IA 50266 | STANDARD INSURANCE COMPANY | $117K | — | $117K | 6.53% |
| TRUENORTH COMPANIES LC3 | PO BOX 1863 CEDAR RAPIDS, IA 52401 | STANDARD INSURANCE COMPANY | $105K | — | $105K | 5.84% |
| BUSINESSSOLVER.COM, INC.3 Filed as: BUSINESSSOLVER.COM INC. | 1025 ASHWORTH ROAD, SUITE 403 WEST DES MOINES, IA 50265 | STANDARD INSURANCE COMPANY | — | $43K | $43K | 2.40% |
| FRANK BERLIN & ASSOCIATES3 Filed as: FRANK W BERLIN & ASSOCIATES | 4949 WESTOWN PARKWAY, SUITE 200 WEST DES MOINES, IA 50266 | STANDARD INSURANCE COMPANY | $73K | — | $73K | 6.80% |
| TRUENORTH COMPANIES LC3 | PO BOX 1863 CEDAR RAPIDS, IA 52401 | STANDARD INSURANCE COMPANY | $62K | — | $62K | 5.76% |
| BUSINESSOLVER.COM, INC.3 Filed as: BUSINESSOLVER.COM INC. | 1025 ASHWORTH ROAD, SUITE 403 WEST DES MOINES, IA 50265 | STANDARD INSURANCE COMPANY | — | $26K | $26K | 2.40% |
| FRANK BERLIN & ASSOCIATES5 | 4949 WESTOWN PKWY, STE 200 WEST DES MOINES, IA 50266 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $56K | — | $56K | 9.20% |
| SELECT NETWORKS5 | 317 6TH AVE. SUITE 1440 DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $49K | — | $49K | 8.00% |
| TRUENORTH COMPANIES LC5 Filed as: TRUENORTH CO | 4949 WESTOWN PKWY, STE 200 WEST DES MOINES, IA 50266 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 0.80% |
| FRANK BERLIN & ASSOCIATES3 Filed as: FRANK BERLIN & ASSOCIATES LLC | 4949 WESTOWN PKWY STE 200 WEST DES MOINES, IA 50266 | UNION SECURITY INSURANCE COMPANY | $39K | — | $39K | 10.36% |
| TRUENORTH COMPANIES LC3 | PO BOX 1863 CEDAR RAPIDS, IA 52406 | UNION SECURITY INSURANCE COMPANY | $36K | — | $36K | 9.62% |
| FRANK BERLIN & ASSOCIATES3 Filed as: FRANK W BERLIN & ASSOCIATES | 4949 WESTOWN PARKWAY, SUITE 200 WEST DES MOINES, IA 50266 | STANDARD INSURANCE COMPANY | $27K | — | $27K | 8.25% |
| TRUENORTH COMPANIES LC3 | PO BOX 1863 CEDAR RAPIDS, IA 52401 | STANDARD INSURANCE COMPANY | $19K | — | $19K | 5.81% |
| BUSINESSOLVER.COM, INC.3 Filed as: BUSINESSOLVER.COM INC. | 1025 ASHWORTH ROAD, SUITE 403 WEST DES MOINES, IA 50265 | STANDARD INSURANCE COMPANY | — | $8K | $8K | 2.36% |
| TRUENORTH COMPANIES LC3 | PO BOX 1863 CEDAR RAPIDS, IA 52406 | UNION SECURITY INSURANCE COMPANY | $38K | — | $38K | 12.18% |
| FRANK BERLIN & ASSOCIATES3 Filed as: FRANK BERLIN & ASSOCIATES LLC | 4949 WESTOWN PKWY STE 200 WEST DES MOINES, IA 50266 | UNION SECURITY INSURANCE COMPANY | $30K | — | $30K | 9.53% |
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 | 15,015 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 15,039 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF IOWA | 6,035 | $2.0M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 8,980 | $611K |
| Life insurance | STANDARD INSURANCE COMPANY | 14,754 | $1.8M |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 2,499 | $1.5M |
| Long-term disability | STANDARD INSURANCE COMPANY | 578 | $324K |
| Other | UNION SECURITY INSURANCE COMPANY | 1,258 | $315K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,754 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.