| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, L.C. | PO BOX 1863 CEDAR RAPIDS, IA 524061863 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $8K | — | $8K | 0.28% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES L C | PO BOX 1863 CEDAR RAPIDS, IA 524061863 | METROPOLITAN LIFE INSURANCE COMPANY | $50K | — | $50K | 11.24% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | D/B/A THREEFLOW 306 W ERIE ST STE 300 CHICAGO, IL 606543902 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 1.48% |
| KYLE MERTZ3 | 6800 LAKE DRIVE SUITE 250 WEST DES MOINES, IA 502662504 | BLUE CARE NETWORK OF MICHIGAN | $5K | — | $5K | 1.81% |
| KYLE MERTZ3 | 6800 LAKE DRIVE SUITE 250 WEST DES MOINES, IA 502662504 | BLUE CARE NETWORK OF MICHIGAN | $3K | — | $3K | 1.79% |
| JENNON CARUTH3 | PO BOX 46122 EDEN PRARIE, MN 553442822 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $309 | $6K | 11.55% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES L C | PO BOX 1863 CEDAR RAPIDS, IA 524061863 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 4.84% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | D/B/A THREEFLOW 306 W ERIE ST STE 300 CHICAGO, IL 606543902 | METROPOLITAN LIFE INSURANCE COMPANY | $769 | — | $769 | 1.42% |
| GCG FINANCIAL LLC3 Filed as: CLARITY AN ALERA GROUP COMPANY LLC | PO BOX 46122 EDEN PRAIRIE, MN 553442822 | METROPOLITAN LIFE INSURANCE COMPANY | $672 | $96 | $768 | 1.42% |
| KYLE MERTZ3 | 6800 LAKE DRIVE SUITE 250 WEST DES MOINES, IA 502662504 | BLUE CARE NETWORK OF MICHIGAN | $741 | — | $741 | 1.66% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, L.C. | PO BOX 1863 CEDAR RAPIDS, IA 524061863 | VISION SERVICE PLAN | $2K | — | $2K | 4.14% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST STE 300 CHICAGO, IL 606543902 | VISION SERVICE PLAN | $197 | — | $197 | 0.50% |
| JENNON CARUTH3 | PO BOX 46122 EDEN PRARIE, MN 553442822 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $211 | $6K | 17.38% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES L C | PO BOX 1863 CEDAR RAPIDS, IA 524061863 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 7.88% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | D/B/A THREEFLOW 306 W ERIE ST STE 300 CHICAGO, IL 606543902 | METROPOLITAN LIFE INSURANCE COMPANY | $530 | — | $530 | 1.49% |
| GCG FINANCIAL LLC3 Filed as: CLARITY AN ALERA GROUP COMPANY LLC | PO BOX 46122 EDEN PRAIRIE, MN 553442822 | METROPOLITAN LIFE INSURANCE COMPANY | $428 | $73 | $501 | 1.41% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES L C | PO BOX 1863 CEDAR RAPIDS, IA 524061863 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 24.66% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | D/B/A THREEFLOW 306 W ERIE ST STE 300 CHICAGO, IL 606543902 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 5.01% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, L.C. | 500 1ST ST SE CEDAR RAPIDS, IA 52401 | HARTFORD LIFE AND ACCIDENT | $452 | — | $452 | 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 | 973 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 976 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 3 carriers) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 354 | $3.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,259 | $444K |
| Vision | VISION SERVICE PLAN | 496 | $39K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,259 | $448K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,259 | $444K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 6 | $5K |
| Prescription drug(3 contracts) | BLUE CARE NETWORK OF MICHIGAN | 35 | $473K |
| Other(6 contracts, 3 carriers) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 1,259 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,259 | — |
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."
No prospect flags tripped on this filing.