| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUENORTH COMPANIES LC3 | 500 1ST ST SE CEDAR RAPIDS, IA 52401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 19.43% |
| TRUENORTH COMPANIES LC3 | 500 1ST ST SE CEDAR RAPIDS, IA 52401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 14.58% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, L.C. | PO BOX 1863 CEDAR RAPIDS, IA 524061863 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.22% |
| TRUENORTH COMPANIES LC3 | 500 1ST ST SE CEDAR RAPIDS, IA 52401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $562 | $3K | 19.21% |
| RHONDA S PAPE/COLE M PAPE/DANE ALAN3 | TRUENORTH COMPANIES, L.C. 500 1ST ST SE CEDAR RAPIDS, IA 52401 | ASSURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 41.77% |
| RHONDA S PAPE/COLE M PAPE/DANE ALAN3 | TRUENORTH COMPANIES, L.C. 500 1ST ST SE CEDAR RAPIDS, IA 52401 | ASSURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 51.34% |
| RHONDA S PAPE/COLE M PAPE/DANE ALAN3 | TRUENORTH COMPANIES, L.C. 500 1ST ST SE CEDAR RAPIDS, IA 52401 | ASSURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 51.77% |
| RHONDA S PAPE3 Filed as: RHONDA PAPE | TRUENORTH COMPANIES, L.C. 500 1ST ST SE CEDAR RAPIDS, IA 52401 | U.S. LEGAL SERVICES OF WISCONSIN, INC. | $333 | — | $333 | 19.43% |
| RHONDA S PAPE/COLE M PAPE/DANE ALAN3 | TRUENORTH COMPANIES, L.C. 500 1ST ST SE CEDAR RAPIDS, IA 52401 | ASSURITY LIFE INSURANCE COMPANY | $317 | — | $317 | 69.21% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, L.C. | PO BOX 1863 CEDAR RAPIDS, IA 524061863 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1 | — | $1 | 7.69% |
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 | 142 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 90 | $1.2M |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 282 | $23K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 74 | $25K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 44 | $23K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 32 | $13K |
| Other(8 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 78 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 282 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.