| 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 | — | $9K | $9K | 5.81% |
| AUXIANT5 | 424 1ST AVENUE NE CEDAR RAPIDS, IA 52401 | HCC LIFE INSURANCE COMPANY | $369 | — | $369 | 0.24% |
| FRIEDMAN FINANCIAL SERVICES INC3 Filed as: FRIEDMAN FINANCIAL SERVICES | PO BOX 1780 DUBUQUE, IA 520041780 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 15.74% |
| FRIEDMAN FINANCIAL SERVICES INC3 Filed as: FRIEDMAN FINANCIAL SERVICES | PO BOX 1780 DUBUQUE, IA 520041780 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 15.69% |
| AUXIANT3 | PO BOX 75008 CEDAR RAPIDS, IA 524075008 | EMC NATIONAL LIFE | $366 | — | $366 | 10.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE GROUP SVCS LTD DBA AUXIANT EIN 42-1426202 NONE | Claims processing Service code 12 | 424 1ST AVENUE NE CEDAR RAPIDS, IA 52401 | $32K |
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 | 137 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 112 | $155K |
| Dental | HCC LIFE INSURANCE COMPANY | 112 | $155K |
| Vision | HCC LIFE INSURANCE COMPANY | 112 | $155K |
| Life insurance(3 contracts, 3 carriers) | HCC LIFE INSURANCE COMPANY | 137 | $217K |
| Long-term disability | STANDARD INSURANCE COMPANY | 55 | $22K |
| Prescription drug | HCC LIFE INSURANCE COMPANY | 112 | $155K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 112 | $155K |
| Other | HCC LIFE INSURANCE COMPANY | 112 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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.