| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UMR, INC.3 Filed as: UMR INC | MARY GOSZ MAIL STOP 7320 11 SCOTT ST STE 100 WAUSAU, WI 544034888 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $12K | $12K | 2.92% |
| TRUENORTH COMPANIES LC3 | 421 4TH AVENUE SE CEDAR RAPIDS, IA 52401 | RELIASTAR LIFE INSURANCE COMPANY | $5K | — | $5K | 1.26% |
| TRUENORTH COMPANIES LC3 | PO BOX 1863 CEDAR RAPIDS, IA 52406 | SUN LIFE ASSURANCE COMPANY OF CANADA | $33K | $2K | $35K | 18.09% |
| UNITED BENEFITS ADVISORS INC3 | 10 WUNSHINE LN RED LION, PA 17356 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $375 | $375 | 0.20% |
| TRUENORTH COMPANIES LC3 | 500 1ST ST SE CEDAR RAPIDS, IA 52401 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 9.83% |
| CINDY ANDERSON3 | 18862D 345TH ST FOREST CITY, IA 50436 | ALLSTATE WORKPLACE DIVISION | $154 | — | $154 | 5.96% |
| TERESA COPLER3 | 5767 22ND AVENUE DR VINTON, IA 52349 | ALLSTATE WORKPLACE DIVISION | $116 | — | $116 | 4.49% |
| RHONDA S PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | ALLSTATE WORKPLACE DIVISION | $54 | — | $54 | 2.09% |
| DANE PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | ALLSTATE WORKPLACE DIVISION | $31 | — | $31 | 1.20% |
| COLE PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | ALLSTATE WORKPLACE DIVISION | $31 | — | $31 | 1.20% |
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 | 399 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 413 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 410 | $191K |
| Short-term disability | ALLSTATE WORKPLACE DIVISION | 41 | $3K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 410 | $191K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 728 | $415K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 410 | $235K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 728 | — |
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.