| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES L C | 500 1ST ST SE CEDAR RAPIDS, IA 524012002 | WELLMARK BLUE CROSS AND BLUE SHIELD | $0 | $0 | $0 | 0.00% |
| ACUMEN ADVISORS INC3 Filed as: ACUMEN ADVISORS, INC. | 425 2ND ST SE STE 1275 CEDAR RAPIDS, IA 52401 | WELLMARK BLUE CROSS AND BLUE SHIELD | $0 | $0 | $0 | 0.00% |
| ACUMEN ADVISORS INC3 Filed as: ACUMEN | 425 2ND STREET SE SUITE 1275 CEDAR RAPIDS, IA 52401 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 8.50% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES L C | 500 1ST ST SE CEDAR RAPIDS, IA 52401 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $247 | $3K | 3.85% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY WEST LAKE HILLS, TX 78746 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $133 | $133 | 0.18% |
| ACUMEN ADVISORS INC3 Filed as: ACUMEN | 425 2ND STREET SE SUITE 1275 CEDAR RAPIDS, IA 52401 | DELTA DENTAL OF IOWA | $2K | $0 | $2K | 7.73% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES L C | PO BOX 1863 CEDAR RAPIDS, IA 52406 | DELTA DENTAL OF IOWA | $749 | $0 | $749 | 3.67% |
| ACUMEN ADVISORS INC3 Filed as: ACUMEN | 425 2ND STREET SE #1275 CEDAR RAPIDS, IA 52401 | FIDELITY SECURITY LIFE COMPANY (EYEMED) | $572 | $0 | $572 | 7.65% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES L C | PO BOX 1863 CEDAR RAPIDS, IA 52406 | FIDELITY SECURITY LIFE COMPANY (EYEMED) | $173 | $0 | $173 | 2.31% |
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 | 103 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD | 74 | $940K |
| Dental | DELTA DENTAL OF IOWA | 54 | $20K |
| Vision | FIDELITY SECURITY LIFE COMPANY (EYEMED) | 79 | $7K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 212 | $72K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 212 | $72K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 212 | $72K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 212 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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."
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.