| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES | 500 1ST STREET SE CEDAR RAPIDS, IA 52401 | DELTA DENTAL OF IOWA | $2K | $279 | $2K | 3.64% |
| REYNOLDS & REYNOLDS INC3 | 300 WALNUT, SUITE 200 DES MOINES, IA 52401 | DELTA DENTAL OF IOWA | $2K | — | $2K | 3.04% |
| TRUENORTH COMPANIES LC3 | P.O. BOX 1863 CEDAR RAPIDS, IA 524061863 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $41 | $1K | 5.60% |
| REYNOLDS & REYNOLDS INC3 | 300 WALNUT ST# 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $925 | $62 | $987 | 4.91% |
| BENEUSA LLC3 | P.O. BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $463 | $463 | 2.30% |
| TRUENORTH COMPANIES LC3 | P.O. BOX 1863 CEDAR RAPIDS, IA 524061863 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $840 | $30 | $870 | 5.48% |
| REYNOLDS & REYNOLDS INC3 | 300 WALNUT ST, STE 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $746 | $51 | $797 | 5.02% |
| BENEUSA LLC3 | 1851 LAKE DR W STE 350 CHANHASSEN, MN 55317 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $373 | $373 | 2.35% |
| TRUENORTH COMPANIES LC3 | P.O. BOX 1863 CEDAR RAPIDS, IA 524061863 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $28 | $1K | 8.08% |
| REYNOLDS & REYNOLDS INC3 | 300 WALNUT ST, STE 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $48 | $1K | 7.44% |
| BENEUSE, LLC3 | 1851 LAKE DR W STE 350 CHANHASSEN, MN 55317 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $345 | $345 | 2.37% |
| SELECT NETWORKS3 | 317 6TH AVE. SUITE 1440 DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 10.98% |
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS & REYNOLDS | 300 WALNUT ST., STE 200 DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $669 | — | $669 | 5.09% |
| TRUE NORTH COMPANIES LC3 Filed as: TRUE NORTH COMPANIES, LLC | P.O. BOX 1863 CEDAR RAPIDS, IA 52406 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $642 | — | $642 | 4.89% |
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 | 152 | 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) | 152 | 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 | 95 | $826K |
| Dental | DELTA DENTAL OF IOWA | 91 | $51K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 153 | $13K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 152 | $16K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 48 | $20K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 150 | $15K |
| Prescription drug(2 contracts, 2 carriers) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 95 | $826K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 152 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.