| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, LC | 7003 CHADWICK DRIVE, SUITE 321 BRENTWOOD, TN 37027 | UNITEDHEALTHCARE INSURANCE COMPANY | $79K | $26K | $105K | 6.09% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, LC | 7003 CHADWICK DRIVE, SUITE 321 BRENTWOOD, TN 37027 | DELTA DENTAL OF CALIFORNIA | $12K | $0 | $12K | 10.00% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, LC | 500 1ST STREET SE CEDAR RAPIDS, IA 52401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $5K | $18K | 20.28% |
| ENROLLEASE5 Filed as: ENROLLEASE, INC. | PO BOX LA 22646 PASADENA, CA 91185 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.37% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, LC | PO BOX 1863 CEDAR RAPIDS, IA 52406 | VISION SERVICE PLAN | $2K | $0 | $2K | 6.74% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC. | 1980 FESTIVAL PLAZA DRIVE SUITE 810 LAS VEGAS, NV 89135 | VISION SERVICE PLAN | $136 | $0 | $136 | 0.56% |
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 | 162 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 302 | $1.7M |
| Dental | DELTA DENTAL OF CALIFORNIA | 294 | $117K |
| Vision | VISION SERVICE PLAN | 157 | $24K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 161 | $89K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 161 | $89K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 161 | $89K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 302 | $1.7M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 302 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 302 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.