| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT STREET SUITE 800 KANSAS CITY, MO 64108 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $43K | — | $43K | 13.28% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES. LC | 7003 CHADWICK DRIVE SUITE 321 BRENTWOOD, TN 37027 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $36K | $4K | $39K | 11.98% |
| TRUE NORTH COMPANIES LC3 Filed as: TRUE NORTH COMPANIES. LC | PO BOX 1863 CEDAR RAPIDS, IA 524061863 | VISION SERVICE PLAN | $19K | — | $19K | 10.04% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | TRUSTMARK INSURANCE COMPANY | $10K | — | $10K | 7.46% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | TRUSTMARK INSURANCE COMPANY | $9K | — | $9K | 6.78% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES LLC | 500 1ST ST SE CEDAR RAPIDS, IA 52401 | TRUSTMARK INSURANCE COMPANY | $7K | — | $7K | 5.55% |
| TRUE NORTH COMPANIES LC3 Filed as: TRUE NORTH COMPANIES. LC | PO BOX 1863 CEDAR RAPIDS, IA 524061863 | DELTA DENTAL OF IOWA | $24K | $3K | $27K | — |
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 | 1,901 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,904 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 527 | $5.8M |
| Dental | DELTA DENTAL OF IOWA | 774 | $0 |
| Vision | VISION SERVICE PLAN | 740 | $185K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,901 | $460K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,901 | $327K |
| Prescription drug(2 contracts, 2 carriers) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 527 | $5.8M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,901 | $327K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,901 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.