| 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 700 WAUSAU, WI 54403 | RELIASTAR LIFE INSURANCE COMPANY | — | $16K | $16K | 2.92% |
| TRUENORTH COMPANIES LC3 | 421 4TH AVENUE SE CEDAR RAPIDS, IA 52401 | RELIASTAR LIFE INSURANCE COMPANY | $12K | — | $12K | 2.21% |
| TRUE NORTH COMPANIES LC3 | PO BOX 1863 CEDAR RAPIDS, IA 52406 | SUN LIFE ASSURANCE COMPANY OF CANADA | $29K | $4K | $33K | 17.49% |
| CINDY ANDERSON3 | 18862D 345TH ST FOREST CITY, IA 50436 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 4.62% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, LC | PO BOX 1863 CEDAR RAPIDS, IA 524061863 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 3.54% |
| RHONDA S PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 1.78% |
| DANE PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 1.21% |
| COLE PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $774 | — | $774 | 0.76% |
| ALAN PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $238 | — | $238 | 0.23% |
| RHONDA S PAPE3 Filed as: RHONDA PAPE | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $71 | — | $71 | 0.07% |
| TRUENORTH COMPANIES LC3 | 500 1ST ST SE CEDAR RAPIDS, IA 52401 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 9.99% |
| SELECT NETWORKS3 | 317 6TH AVE SUITE 1040 DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 11.00% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH | PO BOX 1863 CEDAR RAPIDS, IA 52406 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
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 | 487 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 19 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 508 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 400 | $34K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 465 | $188K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 465 | $188K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 820 | $535K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 465 | $333K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 820 | — |
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.