| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUE NORTH COMPANIES LC3 Filed as: TRUE NORTH CO | PO BOX 1863 CEDAR RAPIDS, IA 52406 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $9K | — | $9K | 0.25% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES L C | PO BOX 1863 CEDAR RAPIDS, IA 524061863 | METROPOLITAN LIFE INSURANCE COMPANY | $42K | — | $42K | 10.74% |
| KYLE MERTZ3 | FRANK BERLIN AND ASSOCIATES 4949 WESTON WEST DES MOINES, IA 502660266 | BLUE CARE NETWORK OF MICHIGAN | $11K | — | $11K | 3.25% |
| JENNON CARUTH3 | 7825 WASHINGTON AVE S STE 710 MINNEAPOLIS, MN 554392440 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | — | $14K | 26.92% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES L C | PO BOX 1863 CEDAR RAPIDS, IA 524061863 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 16.99% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, L.C. | PO BOX 1863 CEDAR RAPIDS, IA 524061863 | VISION SERVICE PLAN | $2K | — | $2K | 4.34% |
| JENNON CARUTH3 | 7825 WASHINGTON AVE S STE 710 MINNEAPOLIS, MN 554392440 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 31.22% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES L C | PO BOX 1863 CEDAR RAPIDS, IA 524061863 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 16.81% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, L.C. | 500 1ST ST SE CEDAR RAPIDS, IA 52401 | HARTFORD LIFE AND ACCIDENT | $565 | — | $565 | 10.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 8331 NORMAN CENTER DR STE 500 MINNEAPOLIS, MN 55437 | HARTFORD LIFE AND ACCIDENT | $0 | -$7 | -$7 | -0.12% |
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 | 1,473 | 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) | 1,476 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 349 | $4.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,777 | $393K |
| Vision | VISION SERVICE PLAN | 431 | $42K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,777 | $398K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,777 | $393K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 9 | $6K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 64 | $352K |
| Other(5 contracts, 3 carriers) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 1,777 | $4.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,777 | — |
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.