| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, LC | 500 1ST STREET SOUTHEAST CEDAR RAPIDS, IA 52401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| GROUP SOLUTIONS LLC3 | 16703 RIVER ROAD NORTH BRANCH, MN 55056 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $5K | $5K | 8.00% |
| WATCHTOWER TECHNOLOGIES INC3 | 2734 NORTH MILDRED AVENUE #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $988 | — | $988 | 1.50% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES LLC | PO BOX 1863 CEDAR RAPIDS, IA 52406 | DELTA DENTAL OF IOWA | $3K | $214 | $3K | 6.21% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, LC | 500 1ST STREET SOUTHEAST CEDAR RAPIDS, IA 52401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| GROUP SOLUTIONS LLC3 | 16703 RIVER ROAD NORTH BRANCH, MN 55056 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 8.00% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, LC | 500 1ST STREET SOUTHEAST CEDAR RAPIDS, IA 52401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| GROUP SOLUTIONS LLC3 | 16703 RIVER ROAD NORTH BRANCH, MN 55056 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 8.00% |
| WATCHTOWER TECHNOLOGIES INC3 | 2734 NORTH MILDRED AVENUE #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $342 | — | $342 | 1.50% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, LC | 500 1ST STREET SOUTHEAST CEDAR RAPIDS, IA 52401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| GROUP SOLUTIONS LLC3 | 16703 RIVER ROAD NORTH BRANCH, MN 55056 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 8.00% |
| WATCHTOWER TECHNOLOGIES INC3 | 2734 NORTH MILDRED AVENUE #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $224 | — | $224 | 1.50% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, L.C. | PO BOX 1863 CEDAR RAPIDS, IA 52406 | VISION SERVICE PLAN | $1K | — | $1K | 10.07% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, LLC | 500 1ST STREET SOUTHEAST CEDAR RAPIDS, IA 52401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $416 | — | $416 | 15.01% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECNOLOGIES, INC. | 2734 NORTH MILDRED AVENUE #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $42 | — | $42 | 1.52% |
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 | 3 | 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) | 3 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF IOWA | 4 | $48K |
| Vision | VISION SERVICE PLAN | 3 | $11K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 96 | $38K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 0 | $66K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 0 | $28K |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 96 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 96 | — |
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.