| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE VOGT GROUP3 | 1750 CREEK WOOD DR DUBUQUE, IA 520037603 | GRAVIE ADMINISTRATIVE SERVICES LLC | $35K | — | $35K | 1.32% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES | 500 1ST ST SE CEDAR RAPIDS, IA 524011863 | GRAVIE ADMINISTRATIVE SERVICES LLC | $18K | — | $18K | 0.70% |
| THE VOGT GROUP3 Filed as: VOGT GROUP INC | 1750 CREEK WOOD DR DUBUQUE, IA 520037603 | METROPOLITAN LIFE INSURANCE COMPANY | $32K | $43 | $32K | 8.86% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 1.87% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.48% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES L C | PO BOX 1863 CEDAR RAPIDS, IA 524061863 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 1.17% |
| THE VOGT GROUP3 Filed as: THE VOGT GROUP INC | 1055 UNIVERSITY AVE DUBUQUE, IA 520016154 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $43 | $43 | 0.01% |
| THE VOGT GROUP3 Filed as: VOGT GROUP INC | 1750 CREEK WOOD DR DUBUQUE, IA 520037603 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $43 | $6K | 13.17% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 3.68% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES L C | PO BOX 1863 CEDAR RAPIDS, IA 524061863 | METROPOLITAN LIFE INSURANCE COMPANY | $771 | — | $771 | 1.66% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $684 | $684 | 1.47% |
| THE VOGT GROUP3 Filed as: VOGT GROUP INC | 1750 CREEK WOOD DR DUBUQUE, IA 520037603 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $43 | $4K | 13.54% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 3.79% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES L C | PO BOX 1863 CEDAR RAPIDS, IA 524061863 | METROPOLITAN LIFE INSURANCE COMPANY | $573 | — | $573 | 1.74% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $498 | $498 | 1.51% |
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 | 229 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | GRAVIE ADMINISTRATIVE SERVICES LLC | 229 | $2.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 445 | $360K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 445 | $360K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 445 | $360K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 445 | $360K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 445 | $360K |
| Other(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 445 | $440K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 445 | — |
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.
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.