| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, LLC | 500 1ST STREET SE CEDAR RAPIDS, IA 52401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $42K | $3K | $45K | 10.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $41K | $0 | $41K | 9.55% |
| GROUP SOLUTIONS LLC3 Filed as: GROUP SOLUTIONS, LLC. | 16703 RIVER ROAD NORTH BRANCH, MN 55056 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $21K | $21K | 4.86% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, LLC | PO BOX 1863 CEDAR RAPIDS, IA 52406 | DELTA DENTAL OF IOWA | $3K | $0 | $3K | 1.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF IOWA | $3K | $0 | $3K | 1.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | RELIASTAR LIFE INSURANCE COMPANY | $19K | $0 | $19K | 13.79% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, LLC | PO BOX 1863 CEDAR RAPIDS, IA 52406 | RELIASTAR LIFE INSURANCE COMPANY | $13K | $0 | $13K | 9.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | VISION SERVICE PLAN | $774 | $0 | $774 | 2.29% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, LLC | PO BOX 1863 CEDAR RAPIDS, IA 52406 | VISION SERVICE PLAN | $658 | $0 | $658 | 1.95% |
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 | 588 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 592 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF IOWA | 550 | $162K |
| Vision | VISION SERVICE PLAN | 451 | $34K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 696 | $428K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 696 | $428K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 696 | $428K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 696 | $563K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 696 | — |
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.