| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUENORTH COMPANIES LC3 | 500 1ST STREET SE CEDR RAPIDS, IA 52401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $24K | — | $24K | 15.00% |
| TRUENORTH COMPANIES LC3 | 500 1ST STREET SE CEDR RAPIDS, IA 52401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | — | $14K | 15.00% |
| SELECT NETWORKS3 | 317 6TH AVENUE DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $6K | — | $6K | 10.03% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, LLC | PO BOX 1863 CEDAR RAPIDS, IA 52406 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 9.11% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, LLC - CEDAR RA | PO BOX 1863 CEDAR RAPIDS, IA 52406 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $11K | — | $11K | 21.60% |
| RHONDA S PAPE3 Filed as: RHONDA S PAPE, COLE M PAPE, DANE AL | — | ASSURITY LIFE INSURANCE COMPANY | $26K | — | $26K | 52.34% |
| RHONDA S PAPE3 Filed as: RHONDA PAPE | PO BOX 838 208 AUSTIN AVENUE MAQUOKETA, IA 52060 | PROSPERITY LIFE GROUP | $10K | — | $10K | 23.00% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, LC | 500 1ST STREET SOUTHEAST CEDAR RAPIDS, IA 52401 | PROSPERITY LIFE GROUP | $9K | — | $9K | 22.00% |
| DANE PAPE3 Filed as: DANE A PAPE | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | PROSPERITY LIFE GROUP | $5K | — | $5K | 11.00% |
| COLE PAPE3 Filed as: COLE MARVIN PAPE | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | PROSPERITY LIFE GROUP | $4K | — | $4K | 9.00% |
| GROUP BENEFITS LTD3 Filed as: GROUP SERVICES LLC | 3066 VICTORIA STREET BETTENDORF, IA 52722 | METROPOLITIAN LIFE INSURANCE COMPANY | $952 | — | $952 | 3.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITIAN LIFE INSURANCE COMPANY | $612 | — | $612 | 2.06% |
| THOMAS C SCHUETZ3 | 3066 VICTORIA STREET BETTENDORF, IA 52722 | METROPOLITIAN LIFE INSURANCE COMPANY | $24 | — | $24 | 0.08% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, L.C-CEDAR RAPI | PO BOX 1863 CEDAR RAPIDS, IA 52406 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $30 | — | $30 | 20.00% |
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 | 949 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 960 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 739 | $109K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 974 | $124K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 974 | $193K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 323 | $121K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 716 | $2.1M |
| Other(7 contracts, 6 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,030 | $428K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,030 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.