| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUE NORTH COMPANIES LC3 | PO BOX 1863 CEDAR RAPIDS, IA 524061863 | WELLMARK HEALTH PLAN OF IOWA | $41K | — | $41K | 7.24% |
| TRUE NORTH COMPANIES LC3 | PO BOX 1863 CEDAR RAPIDS, IA 524061863 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $37K | — | $37K | 6.91% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES LLC | PO BOX 1863 CEDAR RAPIDS, IA 524061863 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 4.92% |
| TRUENORTH COMPANIES LC3 | 500 1ST ST SE CEDAR RAPIDS, IA 524012002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $9K | 18.89% |
| TRUENORTH COMPANIES LC3 | 500 1ST ST SE CEDAR RAPIDS, IA 524012002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $872 | $4K | 16.96% |
| TRUENORTH COMPANIES LC3 | 500 1ST ST SE CEDAR RAPIDS, IA 524012002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 20.73% |
| SELECT NETWORKS3 | 317 6TH AVENUE DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.50% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH | 500 1ST STREET SE CEDAR RAPIDS, IA 52401 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.55% |
| DEBRA S. HERBERS AND OTHER AGENTS3 Filed as: DEBRA S HERBERS | 410 PRAIRIE MEADOW DR BLUE GRASS, IA 52726 | AFLAC | $749 | $229 | $978 | 5.32% |
| TINA M LASSUY3 | 3021 45TH ST MOLINE, IL 61265 | AFLAC | $848 | $94 | $942 | 5.12% |
| CHRISTOPHER J BAYER3 | 127 N CHERRY ST GALESBURG, IL 61401 | AFLAC | $289 | $54 | $343 | 1.87% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES LLC | PO BOX 1863 CEDAR RAPIDS, IA 52406 | AFLAC | $313 | — | $313 | 1.70% |
| TRAVIS COCKBURN3 Filed as: TRAVIS J COCKBURN | 402 N MAIN ST BENTON, IL 62812 | AFLAC | $83 | $54 | $137 | 0.74% |
| KATHIE KURIGER3 | 5310 AVENUE OF THE CITIES MOLINE, IL 61265 | AFLAC | $134 | — | $134 | 0.73% |
| KAE HUGHES3 | 1805 30TH STREET MOLINE, IL 61265 | AFLAC | $70 | — | $70 | 0.38% |
| TERRY J SILVERS3 | 100 GREENLEAF DR FLAT ROCK, NC 28731 | AFLAC | $69 | — | $69 | 0.38% |
| BRITNEY J GOODDING3 | 876 TANGLEFOOT LANE BETTENDORF, IA 52722 | AFLAC | $15 | — | $15 | 0.08% |
| GREGORY J SHARP3 | 702 E 5TH ST COAL VALLEY, IL 61240 | AFLAC | $15 | — | $15 | 0.08% |
| DONNA R WATSON3 | 876 TANGLEFOOT LN BETTENDORF, IA 52722 | AFLAC | $15 | — | $15 | 0.08% |
| LENA M KRIER3 | 407 3RD ST SOUTH CORDOVA, IL 61242 | AFLAC | $9 | — | $9 | 0.05% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $9 | — | $9 | 0.05% |
| HEIDI L ADAMS3 | 3137 SANDY HOOK RD HAZEL GREEN, WI 53811 | AFLAC | $9 | — | $9 | 0.05% |
| NICHOLAS J CLARK3 | 4510 1/2 7TH AVE ROCK ISLAND, IL 61201 | AFLAC | $7 | — | $7 | 0.04% |
| LINDA A HUDSON3 | 735 STALEY AVE PLATTEVILLE, WI 53818 | AFLAC | $6 | — | $6 | 0.03% |
| MICHAEL A ORTIZ3 | 3433 VOLTAIRE LANE ST CHARLES, IL 60175 | AFLAC | $4 | — | $4 | 0.02% |
| TRUENORTH COMPANIES LC3 | 500 1ST ST SE CEDAR RAPIDS, IA 524012002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $405 | $1K | 13.91% |
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 | 166 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WELLMARK HEALTH PLAN OF IOWA | 84 | $1.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 328 | $56K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 207 | $20K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 206 | $31K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 125 | $65K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 205 | $23K |
| Prescription drug(2 contracts, 2 carriers) | WELLMARK HEALTH PLAN OF IOWA | 84 | $1.1M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 206 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 328 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.