| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUENORTH COMPANIES LC3 | 421 4TH AVENUE SOUTHEAST CEDAR RAPIDS, IA 52401 | RELIASTAR LIFE INSURANCE COMPANY | $8K | — | $8K | 1.22% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, L.C. | PO BOX 1863 CEDAR RAPIDS, IA 52406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15K | — | $15K | 11.40% |
| PAPE ALAN3 Filed as: PAPE RHONDA S | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | — | $9K | 6.33% |
| ANDERSON CINDY3 | 18862D 345TH STREET FOREST CITY, IA 50436 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 6.15% |
| PAPE DANE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 3.42% |
| PAPE ALAN3 Filed as: PAPE COLE M | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 2.79% |
| PAPE ALAN3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $941 | — | $941 | 0.70% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $595 | — | $595 | 0.44% |
| PAPE ALAN3 Filed as: PAPE RHONDA | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $368 | — | $368 | 0.27% |
| BURKE BRUCE3 | 832 DEKALB AVENUE #5C BROOKLYN, NY 11221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| TRUENORTH COMPANIES LC3 | 500 1ST STREET SOUTHWEST SUITE SOUTHEAST CEDAR RAPIDS, IA 52404 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 11.63% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 8.37% |
| TRUENORTH COMPANIES LC3 | 500 1ST STREET SOUTHWEST SUITE SOUTHEAST CEDAR RAPIDS, IA 52404 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 5.06% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $380 | — | $380 | 0.43% |
| SELECT NETWORKS3 | 317 6TH AVENUE SUITE 1040 DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $6K | — | $6K | 10.99% |
| HOLMES MURPHY & ASSOCIATES3 | 3333 LEE PARKWAY SUITE 900 DALLAS, TX 75219 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 6.39% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH | PO BOX 1863 CEDAR RAPIDS, IA 52406 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 3.59% |
| TRUE NORTH COMPANIES LC3 Filed as: TRUE NORTH | 500 1ST STREET SOUTHEAST CEDAR RAPIDS, IA 52401 | UNITED HEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| TRUENORTH COMPANIES LC3 | 500 1ST STREET SOUTHWEST SUITE SOUTHEAST CEDAR RAPIDS, IA 52404 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 5.77% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.49% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY ASSOCIATES | PO BOX 411 DES MOINES, IA 50302 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 6.83% |
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 | 528 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 534 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 240 | $53K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 46 | $133K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 46 | $89K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 421 | $655K |
| Other(6 contracts, 4 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 889 | $349K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 889 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.