| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, LC | PO BOX 1863 CEDAR RAPIDS, IA 52401 | STANDARD INSURANCE COMPANY | $344K | $32K | $376K | 10.93% |
| BUSINESSOLVER.COM, INC.3 | PO BOX 310411 DES MOINES, IA 50331 | STANDARD INSURANCE COMPANY | $0 | $132K | $132K | 3.86% |
| FRANK BERLIN & ASSOCIATES3 Filed as: FRANK W. BERLIN AND ASSOC. | 4949 WESTOWN PARKWAY, SUITE 200 WEST DES MOINES, IA 50266 | STANDARD INSURANCE COMPANY | $0 | $34K | $34K | 1.00% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES | 500 1ST STREET SE CEDAR RAPIDS, IA 52401 | DELTA DENTAL OF IOWA | $154K | $12K | $166K | 6.93% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, LC | PO BOX 1863 CEDAR RAPIDS, IA 52401 | UNION SECURITY INSURANCE COMPANY | $186K | $0 | $186K | 21.80% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES | 4949 WESTOWN PARKWAY, SUITE 200 WEST DES MOINES, IA 50266 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $66K | $0 | $66K | 10.01% |
| SELECT NETWORKS3 | 317 6TH AVENUE, SUITE 1440 DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $53K | $0 | $53K | 8.01% |
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 | 15,339 | 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) | 15,362 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF IOWA | 6,264 | $2.4M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 9,616 | $660K |
| Life insurance | STANDARD INSURANCE COMPANY | 15,347 | $3.4M |
| Short-term disability | STANDARD INSURANCE COMPANY | 15,347 | $3.4M |
| Long-term disability | STANDARD INSURANCE COMPANY | 15,347 | $3.4M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 15,347 | $4.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,347 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.