| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RHONDA S PAPE3 Filed as: RHONDA PAPE | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | KEMPER HEALTH | $9K | — | $9K | 16.44% |
| COLE PAPE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | KEMPER HEALTH | $2K | — | $2K | 2.99% |
| DANE PAPE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | KEMPER HEALTH | $2K | — | $2K | 2.99% |
| GROUP BENEFITS LTD3 Filed as: GROUP SERVICES LLC | 3066 VICTORIA STREET BETTENDORF, IA 52722 | METROPOLITIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 3.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITIAN LIFE INSURANCE COMPANY | $800 | — | $800 | 2.14% |
| THOMAS C SCHUETZ3 | 3066 VICTORIA STREET BETTENDORF, IA 52722 | METROPOLITIAN LIFE INSURANCE COMPANY | $26 | — | $26 | 0.07% |
| SELECT NETWORKS3 | 317 6TH AVENUE DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 11.00% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, LLC | PO BOX 1863 CEDAR RAPIDS, IA 52406 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, LLC - CEDAR RA | PO BOX 1863 CEDAR RAPIDS, IA 52406 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $8K | — | $8K | 21.67% |
| RHONDA S PAPE3 Filed as: RHONDA S PAPE, COLE M PAPE, DANE AL | — | ASSURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 18.24% |
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 | 757 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 771 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 552 | $74K |
| Life insurance | STANDARD INSURANCE COMPANY | 696 | $220K |
| Short-term disability | STANDARD INSURANCE COMPANY | 696 | $165K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 227 | $112K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 521 | $1.3M |
| Other(6 contracts, 6 carriers) | STANDARD INSURANCE COMPANY | 748 | $354K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 748 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.