| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, L.C. | PO BOX 1863 CEDAR RAPIDS, IA 52406 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $10K | $0 | $10K | 0.29% |
| KYLE MERTZ3 | 4949 WESTON PKWY WEST DES MOINES, IA 502660266 | BLUE CARE NETWORK OF MICHIGAN | $10K | $0 | $10K | 2.22% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, L.C. | PO BOX 1863 CEDAR RAPIDS, IA 524061863 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $692 | $5K | 1.58% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, L.C. | PO BOX 1863 CEDAR RAPIDS, IA 524061863 | VISION SERVICE PLAN | $1K | $0 | $1K | 9.77% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, L.C. | 500 1ST ST SE CEDAR RAPIDS, IA 524012002 | VISION SERVICE PLAN | $410 | $0 | $410 | 3.06% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, L.C. | 500 1ST ST SE CEDAR RAPIDS, IA 52401 | HARTFORD LIFE AND ACCIDENT | $525 | $0 | $525 | 9.45% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 8331 NORMAN CENTER DR STE 500 MINNEAPOLIS, MN 55437 | HARTFORD LIFE AND ACCIDENT | $30 | $0 | $30 | 0.54% |
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 | 929 | 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) | 929 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 463 | $3.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,931 | $332K |
| Vision | VISION SERVICE PLAN | 494 | $13K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,931 | $338K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,931 | $332K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 9 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,931 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.