Filings through .
| Carrier | Coverage | Premium, renewal |
|---|---|---|
Broker: Truenorth Companies L.C. HealthHMOPPO | HealthHMOPPO | Pro |
Broker: Truenorth Companies, L.C. DentalSTDLifeOtherHealthLTD | DentalSTDLifeOtherHealthLTD | Pro |
Broker: Truenorth Companies LC HealthOther | HealthOther | Pro |
Broker: Truenorth Companies, LLC Vision | Vision | Pro |
See premium, retention and renewal dates for 11 contracts with Pro.
Pro shows premium, covered lives, retention, contract numbers and the renewal date for each contract. Free for 7 days, no card. Then $49 a month. Cancel any time.
| Broker | Commissions, fees |
|---|---|
Carrier: Wellmark Health Plan of Iowa | Pro |
Carrier: Wellmark Blue Cross and Blue Shield of Iowa | Pro |
Carrier: The Guardian Life Insurance Company of America | Pro |
Carrier: The Guardian Life Insurance Company of America | Pro |
Carrier: United of Omaha Life Insurance Company | Pro |
Carrier: Fidelity Security Life Insurance Company | Pro |
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 | 106 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | WELLMARK HEALTH PLAN OF IOWA | 84 | $657K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 57 | $36K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 100 | $8K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $16K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 30 | $16K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 14 | $4K |
| Other(5 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 102 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 102 | — |
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."
Total premium grew more than 20% over the prior year. Good candidate for re-shopping the carriers.
Premium per covered life exceeds 2x the peer median for this NAICS and size cohort. The plan is either richly funded or stuck with a bad rate.