| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUE NORTH COMPANIES LC3 Filed as: TRUE NORTH | PO BOX 1863 CEDAR RAPIDS, IA 52406 | HCC LIFE INSURANCE COMPANY | — | $8K | $8K | 5.23% |
| FRIEDMAN FINANCIAL SERVICES INC3 | PO BOX 1780 DUBUQUE, IA 520041780 | LINCOLN NATIONAL LIFE INSURANCE CO | $4K | — | $4K | 15.00% |
| FRIEDMAN FINANCIAL SERVICES INC3 | PO BOX 1780 DUBUQUE, IA 520041780 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 11.27% |
| LAMAIR MULOCK CONDON CO3 | 4200 UNIVERSITY AVE STE 200 WEST DES MOINES, IA 50266 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 7.70% |
| FRIEDMAN FINANCIAL SERVICES INC3 | PO BOX 1780 DUBUQUE, IA 520041780 | LINCOLN NATIONAL LIFE INSURANCE | $2K | — | $2K | 15.00% |
| FRIEDMAN FINANCIAL SERVICES INC3 | PO BOX 1780 DUBUQUE, IA 520041780 | LINCOLN NATIONAL LIFE INS | $2K | — | $2K | 15.00% |
| FRIEDMAN FINANCIAL SERVICES INC3 | PO BOX 1780 DUBUQUE, IA 520041780 | STANDARD INSURANCE COMPANY | $695 | — | $695 | 11.25% |
| LAMAIR MULOCK CONDON CO3 | 4200 UNIVERSITY AVE STE 200 WEST DES MOINES, IA 50266 | STANDARD INSURANCE COMPANY | $490 | — | $490 | 7.93% |
| AUXIANT | 424 FIRST AVE NE CEDAR RAPIDS, IA 52401 | EMC NATIONAL LIFE | $402 | — | $402 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE GROUP SERVICES DBA AUXIANT EIN 42-1426202 NONE | Claims processing Service code 12 | 424 FIRST AVE NE CEDAR RAPIDS, IA 52401 | $35K |
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 | 100 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 100 | $153K |
| Dental | HCC LIFE INSURANCE COMPANY | 100 | $153K |
| Vision | HCC LIFE INSURANCE COMPANY | 100 | $153K |
| Life insurance(5 contracts, 4 carriers) | HCC LIFE INSURANCE COMPANY | 153 | $212K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INS | 51 | $17K |
| Prescription drug | HCC LIFE INSURANCE COMPANY | 100 | $153K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 100 | $153K |
| 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.