| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 | 18940 NORTH PIMA ROAD SUITE 210 SCOTTSDALE, AZ 85255 | RELIASTAR LIFE INSURANCE COMPANY | — | $121K | $121K | 5.00% |
| UMR, INC.3 Filed as: UMR INC | MARY GOSZ MAIL STOP 7320 11 SCOTT STREET SUITE 100 WAUSAU, WI 54403 | RELIASTAR LIFE INSURANCE COMPANY | — | $73K | $73K | 3.00% |
| STEALTH PARTNER GROUP LLC3 | 18700 NORTH HAYDEN ROAD SUITE 405 SCOTTSDALE, AZ 85255 | RELIASTAR LIFE INSURANCE COMPANY | $50K | — | $50K | 2.07% |
| TRUENORTH COMPANIES LC3 | 500 1ST STREET SOUTHEAST CEDAR RAPIDS, IA 52401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $7K | $7K | 3.31% |
| TRUENORTH COMPANIES LC3 | 500 1ST STREET SOUTHEAST CEDAR RAPIDS, IA 52401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $28K | $6K | $34K | 18.21% |
| TRUENORTH COMPANIES LC3 | 500 1ST STREET SOUTHEAST CEDAR RAPIDS, IA 52401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 3.43% |
| TRUENORTH COMPANIES LC3 | 500 1ST STREET SOUTHEAST CEDAR RAPIDS, IA 52401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $3K | $17K | 18.43% |
| RHONDA S PAPE3 Filed as: RHONDA PAPE | PO BOX 838 208 AUSTIN AVENUE MAQUOKETA, IA 52060 | PROSPERITY LIFE GROUP | $8K | — | $8K | 11.32% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, LC | 500 1ST STREET SOUTHEAST CEDAR RAPIDS, IA 52401 | PROSPERITY LIFE GROUP | $7K | — | $7K | 10.56% |
| DANE PAPE3 Filed as: DANE A PAPE | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | PROSPERITY LIFE GROUP | $4K | — | $4K | 5.40% |
| COLE PAPE3 Filed as: COLE MARVIN PAPE | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | PROSPERITY LIFE GROUP | $3K | — | $3K | 4.35% |
| RHONDA S PAPE3 Filed as: RHONDA S PAPE, COLE M PAPE, DANE AL | — | ASSURITY LIFE INSURANCE COMPANY | $19K | — | $19K | 29.98% |
| RHONDA S PAPE3 Filed as: RHONDA S PAPE, COLE M PAPE, DANE AL | — | ASSURITY LIFE INSURANCE COMPANY | $19K | — | $19K | 29.98% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, LLC - CEDAR RA | PO BOX 1863 CEDAR RAPIDS, IA 52406 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $11K | — | $11K | 19.94% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, LLC | PO BOX 1863 CEDAR RAPIDS, IA 52406 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 11.07% |
| WELLMARK INC3 Filed as: WELLMARK, INC | 1331 GRAND AVENUE DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, L.C-CEDAR RAPI | PO BOX 1863 CEDAR RAPIDS, IA 52406 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $40 | — | $40 | 13.29% |
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 | 968 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 968 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 384 | $102K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 971 | $120K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 971 | $197K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 315 | $93K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 739 | $2.4M |
| Other(6 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 971 | $504K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 971 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.