| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUENORTH COMPANIES LC3 | 500 1ST ST SE CEDAR RAPIDS, IL 52401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 19.64% |
| TRUENORTH COMPANIES LC5 | 500 1ST ST SE CEDAR RAPIDS, IL 52401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| TRUENORTH COMPANIES LC3 | 500 1ST ST SE CEDAR RAPIDS, IL 52401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $874 | $4K | 17.79% |
| TRUENORTH COMPANIES LC5 | 500 1ST ST SE CEDAR RAPIDS, IL 52401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.00% |
| TRUENORTH COMPANIES LC3 | 500 1ST ST SE CEDAR RAPIDS, IL 52401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $616 | $3K | 19.87% |
| TRUENORTH COMPANIES LC5 | 500 1ST ST SE CEDAR RAPIDS, IL 52401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $632 | $632 | 5.00% |
| TRUENORTH COMPANIES LC3 | 500 1ST ST SE CEDAR RAPIDS, IL 52401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $921 | $466 | $1K | 15.06% |
| TRUENORTH COMPANIES LC5 | 500 1ST ST SE CEDAR RAPIDS, IL 52401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $461 | $461 | 5.00% |
| TRUENORTH COMPANIES LC3 | 500 1ST ST SE CEDAR RAPIDS, IL 52401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $355 | $2K | 24.03% |
| TRUENORTH COMPANIES LC5 | 500 1ST ST SE CEDAR RAPIDS, IL 52401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $440 | $440 | 5.00% |
| TRUENORTH COMPANIES LC3 | 500 1ST ST SE CEDAR RAPIDS, IL 52401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $767 | $341 | $1K | 28.91% |
| TRUENORTH COMPANIES LC5 | 500 1ST ST SE CEDAR RAPIDS, IL 52401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $192 | $192 | 5.01% |
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 | 182 | 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) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 46 | $13K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 182 | $22K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 76 | $40K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 182 | $21K |
| Other(5 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 182 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.