| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUENORTH COMPANIES LC3 | P.O. BOX 1863 CEDAR RAPIDS, IA 52406 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $817 | $817 | 0.83% |
| UNITED BENEFITS ADVISORS INC3 | 10 WUNSHINE LN RED LION, PA 17356 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $155 | $155 | 0.16% |
| TRUENORTH COMPANIES LC3 | P.O. BOX 1863 CEDAR RAPIDS, IA 52406 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $624 | $624 | 0.78% |
| UNITED BENEFITS ADVISORS INC3 | 10 WUNSHINE LN RED LION, PA 17356 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $119 | $119 | 0.15% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, LLC | P O BOX 1863 CEDAR RAPIDS, IA 52406 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $0 | $3K | $3K | 5.89% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, LLC | P O BOX 1863 CEDAR RAPIDS, IA 52406 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $0 | $2K | $2K | 4.11% |
| TRUENORTH COMPANIES LC3 | P.O. BOX 1863 CEDAR RAPIDS, IA 52406 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $309 | $309 | 0.79% |
| UNITED BENEFITS ADVISORS INC3 | 10 WUNSHINE LN RED LION, PA 17356 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $59 | $59 | 0.15% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES LLC | PO BOX 1863 CEDAR RAPIDS, IA 52406 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $6 | $2K | 14.98% |
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 | 371 | 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) | 371 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF IOWA | 381 | $0 |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 989 | $49K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 469 | $98K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 469 | $80K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 469 | $39K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 469 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 989 | — |
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."
No prospect flags tripped on this filing.