| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUENORTH COMPANIES LC3 | 500 1ST ST SE CEDAR RAPIDS, IA 524012002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $8K | 19.18% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES LLC | 421 4TH AVENUE SE CEDAR RAPIDS, IA 52406 | DELTA DENTAL OF IOWA | $2K | $162 | $2K | 5.31% |
| TRUENORTH COMPANIES LC3 | 500 1ST ST SE CEDAR RAPIDS, IA 524012002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $982 | $4K | 17.17% |
| TRUENORTH COMPANIES LC3 | 500 1ST ST SE CEDAR RAPIDS, IA 524012002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $859 | $3K | 19.97% |
| SELECT NETWORKS5 | 317 6TH AVENUE DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 10.47% |
| TRUENORTH COMPANIES LC5 Filed as: TRUENORTH | 500 1ST STREET SE CEDAR RAPIDS, IA 52401 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 8.71% |
| TRUENORTH COMPANIES LC3 | 500 1ST ST SE CEDAR RAPIDS, IA 524012002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $958 | $415 | $1K | 14.33% |
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 | 399 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 399 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF IOWA | 114 | $43K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 90 | $13K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 234 | $27K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 180 | $44K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 399 | $24K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 234 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 399 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.