| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: WELLMARK BLUE CROSS AND BLUE SHIELD | 1331 GRAND AVENUE PO BOX 9232 DES MOINES, IA 503069232 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $15K | — | $15K | 2.36% |
| TRUE NORTH COMPANIES LC3 | PO BOX 1863 CEDAR RAPIDS, IA 52406 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 5.00% |
| UNITED BENEFIT ADVISORS LLC3 | 20 N WACKER DRIVE, SUITE 500 CHICAGO, IL 60606 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 2.50% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES LLC | PO BOX 1863 CEDAR RAPIDS, IA 524061863 | DELTA DENTAL OF IOWA | $3K | $297 | $3K | 5.42% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, L.C. | P O BOX 1863 CEDAR RAPIDS, IA 52406 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $980 | $6K | 12.52% |
| TRUE NORTH COMPANIES LC3 Filed as: TRUE NORTH COMPANIES, L.C. | PO BOX 1863 CEDAR RAPIDS, IA 524061863 | VISION SERVICE PLAN | $2K | — | $2K | 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 | 153 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 0 | $651K |
| Dental | DELTA DENTAL OF IOWA | 153 | $60K |
| Vision | VISION SERVICE PLAN | 145 | $21K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 332 | $47K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 332 | $47K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 332 | $47K |
| Prescription drug | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 0 | $651K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 144 | $137K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 332 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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.